SR-22 Insurance

Not all insurance companies can provide SR-22’s, but Phil Ruth can.

What is SR-22 insurance?

Many don’t know what SR-22 is and that’s why we’re here. SR-22 is a form filed with the State of Ohio that proves you hold the minimum legal coverages. It is also known as a “Certificate of Financial Responsibility.”

How do I know if I need to get SR-22 insurance?

You would know if you need to file an SR-22 because the state would notify you. Not every driver is required to file an SR-22. You are usually required to obtain one if you are convicted of a high risk driving violation or can’t provide proof of insurance.

Other examples of circumstances that frequently require drivers to get an SR-22 include the following:

DUI, DWI or any serious moving violation
At-fault accidents while driving without insurance
Repeat traffic offenses or getting too many tickets in a short period of time
To reinstate a suspended or revoked license

Not all insurance companies provide SR22’s, but Phil Ruth does. Our team can sit down with you and discuss the SR22, your car insurance, and what we can do for you. At Phil Ruth, we’re here to educate you and arm you with the knowledge you need to make the best choices.

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Frequently Asked Questions

HOW LONG IS AN SR-22 VALID?

As long as you pay the required premium and to keep your policy active, the SR-22 will remain in effect until the requirements for your situation have been met. In Ohio, the time requirement is generally 3 to 5 years.

WHAT HAPPENS IF MY POLICY IS CANCELLED?

If your policy is cancelled while you are still required to carry an SR-22, your insurer is required to notify state authorities, which may result in a suspension of your driving privileges. Your insurance company will provide the state with advance notice before cancelling your coverage. If your policy is cancelled, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

ARE THERE ANY FEES FOR FILING AN SR-22?

Most states require a small filing fee when an SR-22 is first filed. There is usually no fee to renew an SR-22 unless you have allowed your policy to lapse. An SR-22 is filed for a specific driver, so if there are additional drivers on your policy who require an SR-22, you will need an SR-22 for each driver.

CAN I GET AN SR-22 IF I DON’T OWN A CAR?

Yes. If you require an SR-22 but don’t own a vehicle, Phil Ruth Insurance Agency can write a Non-Owner policy and add the SR-22 filing to that. This will protect you if you’re found at-fault in an accident while driving a vehicle not owned by you.

HOW DO I GET AN SR-22 CAR INSURANCE QUOTE WITH PHIL RUTH?

Phil Ruth Insurance Agency can provide you with the best rates for SR-22 car insurance easily and quickly, regardless of the reason. Our goal is to get you back on the road again legally and safely. We understand that shopping for car insurance coverage can be stressful and pricey and we'll work to arm you with the information you need.