In Ohio it is illegal to drive any motor vehicle without insurance or other financial responsibility (FR) proof. Section 4509.101 of the Ohio Revised Code prohibits an individual from operating a motor vehicle in Ohio without maintaining proof of FR continuously throughout the registration period with respect to that vehicle, or, in the case of a driver who is not the owner, with respect to that driver's operation of that vehicle.
Ohio law requires financial responsibility in the minimum amount of $12,500 for bodily injury to or death of one (1) individual in any one (1) accident, $25,000 for bodily injury to or death of two (2) or more individuals in any one (1) accident, and $7,500 for injury to the property of others in any one (1) accident.
If you receive a traffic ticket indicating that proof of FR was not produced, you must submit proof to the traffic violations bureau along with payment of a fine and costs for the traffic citation. If instead you are required to appear in court you must submit proof of FR to the court.
[Let CarInsurance.com help you find affordable auto insurance now.] Failure to provide proof of financial responsibility in OH will result in the following civil penalties by the Register of Motor Vehicles:
- Lose driving privileges for a minimum of 90 days and up to 2 years;
- License plates and vehicle registration suspension;
- License plate reinstatement fees of $125 for first violation;
- Require to file with the OH BMV a SR-22 or bond to continuously maintain proof of financial responsibility for a minimum of 3 years up to 5 years from the date of the suspension the driver's license;
- Vehicle immobilization and confiscation of plates for 30 to 60 days if the driver violates the suspension.
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The Ohio Bureau of Motor Vehicles (BMV) notes that driving and registration privileges cannot be restored until all requirements of the suspension have been met.
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