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ODPS Ohio Bureau of Motor Vehicles Insurance Requirements (Financial Responsibility)

ODPS | BMV | Financial Responsibility Suspensions

General Information

    Financial Responsibility Insurance Requirements [ + ]
    • Anytime a person is required to file and maintain Proof of Financial Responsibility Insurance with the BMV, it can be done by one of the following types of insurance:
        1. Certificate of Insurance (Form SR22) - obtained from a licensed insurance agency;
        2. Surety Bond in the amount of $32,500 - obtained from a licensed insurance agency;
        3. BMV Certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer.
    • The insurance must be maintained for three years from the suspension date (5 years on no insurance cases and some convictions with offense dates on or after April 20, 1995 per Senate Bill 20).
  • Frequently Asked Questions
  • Ohio Financial Responsibility Law
    • Proof of Insurance Documentation [ + ]
    • A policy of insurance in effect that meets the minimum standards under Section 4509.51 of the Ohio Revised Code as listed below:
      1. $12,500 because of bodily injury to or death of 1 person in any one accident.
      2. $25,000 because of bodily injury to or death of 2 or more persons in one accident.
      3. $7,500 because of injury to property of others in any one accident.
      4. Proof, to the satisfaction of the Registrar, that person is able to respond to damages in an amount at least equal to the above figures.
    • A copy of the declaration page of a policy of liability insurance.
    • Form BMV 2262, 2263 or 2294 completed by insurance agent (Back of Suspension Notice).
    • A liability bond.
    • A financial responsibility identification card issued by insurance company.
    • A binder of liability insurance bearing the original signature of an authorized agent and valid for no more than 30 days from date of issuance.
    • NOTE: The policy must be written in the name of the person suspended.
  • Random Selection Program
    • Required Proof of Financial Responsibility [ + ]
    • When required, proof of financial responsibility may be shown by one of the following documents:
        1. Insurance policy;
        2. Insurance identification card;
        3. Section A (Insurance Information) of a State Crash Report;
        4. Surety bond of $30,000 issued by an authorized surety company;
        5. BMV bond secured by real estate having equity of at least $60,000;
        6. BMV Certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer;
        7. BMV Certificate of self insurance, available to companies or persons who own at least 26 vehicles.
    • 'First Offenders" convicted of DUI may also submit BMV Form 2702 or BMV Form 2083 as verification of insurance coverage.
  • Senate Bill 20 (Mandatory Insurance)
  • SR-22's and Bonds
ODPS | BMV | Ohio Driver License Information

Forms and Publications for Download


The above publications are available in Adobe Acrobat Portable Document Format (PDF). The PDF reader may be downloaded, free-of-charge, from the Adobe Web site.
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ODPS | BMV | Financial Responsibility Suspensions

Suspensions

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BMV Online Services

ODPS | Bureau of Motor Vehicles

Resources

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Reinstatement Centers [ + ]

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