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How Does Ohio's Financial Responsibility (FR) Law Work?
In order to drive legally in Ohio, you must be able to prove you can pay for damages and injuries that occur in any traffic accident you cause. You must have coverage for a minimum of $25,000 per person / $50,000 total per accident for bodily injury caused to another person, passengers in another car, pedestrians, and $25,000 for damage to property other than your vehicle.
Any time a police officer stops you for a traffic violation or if you are involved in an accident, the officer will ask you for proof of Financial Responsibility (FR). If you cannot prove Financial Responsibility you may be facing severe penalties. Up to 2 years suspension, up to $500 Reinstatement Fee, impounding of your license plates and certificate of registration for repeat offenders.
If your license is suspended because you fail to prove FR, Ohio law specifies the steps you must take to have your driving privileges restored. These include paying any Reinstatement Fees and filing an SR-22 Form with the Ohio BMV.
With the issuance of your FR Bond (SR22), the insurance company will electronically file your SR-22 with the Ohio BMV. This is the fastest way to get your filing to the BMV without you going there. The BMV states that it takes them up to 3 business days to record a filing onto your record once it has been received. If you are in a super hurry, the fastest way to reinstate your license is to go directly to a local BMV Office with your SR-22 Form and any other requirements. Your SR-22 Form will be available to you several minutes after we have confirmed your payment. You can have your driving privileges restored the same day if it is early enough for you to make it to a BMV office with all your requirements.
How Does An FR (SR22) Bond Work?
FR Bonds, at times called SR22 Bonds, are like automobile insurance in that they provide both bodily injury and property damage liability coverage for injuries and damages you cause. The FR Bond will cover you if you are at fault for injuries caused to another person, passengers in another car, pedestrians, and damage to property other than your vehicle.
The FR Bond is available with only minimum liability limits of $25,000/$50/000/$25,000. There are no options available to add on to a FR(SR22) Bond. The FR Bond was designed for people who want the “Bottom Line” of coverage and want to purchase only the minimum protection required by Ohio FR Law. No one else who operates your vehicle is covered by your FR Bond.
The FR Bond will not pay for injuries to you. The FR Bond may pay for passenger’s injuries if you are liable for an accident but will not otherwise pay for passenger injuries. The FR Bond does not cover damages to the vehicle that you are driving. The FR Bond provides restricted coverage only for bodily injury and property damage liability which you might cause while driving a vehicle.
The FR Bond (SR22 Bond) follows an individual and does not provide coverage for any particular vehicle.