SR22 Bond and DUI Auto Insurance in Ohio
Reader’s Question:
Do I need SR22 bond insurance to be able to drive a car and at the same time be covered, I have a DUI on my record? I work in car dealership in Ohio.
Ryan
Thank you for asking Ryan.
Sr22 is also sometimes called bond insurance. In other states it is surety bond or deposit. An SR22 policy is a filing made by an insurance provider to your home state to show proof that you have at least the state minimum required amount of liability. It is required for verification to the state regarding your financial responsibility when you drive a vehicle after getting convicted for a DUI / DWI or driving without insurance.
Most states permit at least one of the following to be used as financial responsibility:
* car insurance policy.
* A surety bond issued by any authorized insurance company.
* A State Motor Vehicle Department bond
* A State Motor Vehicle Department certificate for money or government bonds
* A certificate of proof of financial responsibility or sr22
Some states does not allow bonds for car insurance. It is used typically to show proof of financial responsibility and meet the required insurance of the state. You may check with the Ohio institution to verify this information.
I dont think that this is what you need for coverage on your car and the vehicles you drive for work. You may speak with your car insurance agents in Ohio on their suggestion about your situation .You can check with the dealership to check if you have been listed to their business policy and if that covers you.
Goodluck!
MariCAR
How Will Out Of State DUI Charge Affect My Auto Insurance?
Reader’s Question:
I live in Florida. I received a DUI in Ohio. How will this affect my license and driving record in Florida. Please help.
Len
Good question Len.
If you get convicted of DUI in Ohio, this will definitely affect your driver’s license in Florida. Ohio and Florida are part of the Drivers License Compact. This means that traffic violations and other major offenses from out of state will be reported back to your Ohio state.
In addition to that, if your license got suspended from out of state, the state where you got your drivers license will also suspend you license. First DUI in Florida typically is a 180 day up to 1 year license suspension. The penalties that you may face in Ohio might instead apply in Florida.
Here are the penalties for the first time convictions on DUI:
* Administrative License Suspension – 90 days to 5 years.
* Jail – Minimum of 3 days
* Fine – Minimum $200 and not more than $1000.
* Court License Suspension – 6 months to 3 years.
It is required by the state of Ohio to carry an SR-22 for various reasons You may check with the Ohio Bureau of Motor Vehicles to get more information if an sr22 will be part of your DUI penalties.
Goodluck!
MariCAR
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