FRA is a term used in Ohio in regards to the Financial Responsibility that motorist are required to keep on their vehicles.

Section 4509.101 of the Ohio Revised Code prohibits an individual from operating a motor vehicle in Ohio without maintaining proof of FR (financial responsibility) 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.

The 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.

Failure to provide proof of financial responsibility, when required in Ohio, will result in the following civil penalties imposed by the Registrar of Motor Vehicles:

• Lose driving privileges for a minimum of ninety (90) days and up to two (2) years;
• License plates and vehicle registration suspension;
• License plate reinstatement fees of $125 for first violation, $300 for second violation, and $550 for a third or subsequent violation (this includes a $50 penalty for failing to surrender the license, plates or vehicle registration to the BMV);
• Require filing with the BMV (SR-22 or bond) to continuously maintain proof of financial responsibility for a minimum of three (3), up to five (5) years from the date of the suspension of operating privileges;
• Vehicle immobilization and confiscation of plates for 30 to 60 days for violating FR suspension. Third and subsequent offenses could result in vehicle forfeiture and a five (5) year suspension of vehicle registrations.

A FRA suspension thus means the Ohio Bureau of Motor Vehicles (BMV) has temporary taken away your OH driving privileges due to a financial responsibility issue. So if you are found driving without insurance you can be issued a FRA suspension. If you are caught operating a vehicle during this period then you would be cited for driving under a FRA suspension.

Ohio courts are authorized to order vehicle immobilization and impoundment of the license plates at the time of sentencing for if you found driving when you have a FRA suspension. A first offense is 30 days, a second offense is 60 days and a third offense can result in the forfeiture of your vehicle.

The Ohio BMV can give you more information a FRA suspension. If you are in need of OH car insurance you can get auto insurance quotes online here with us.