Driver requires SR22

All SR-22 means is that the insurance company notifies the state if his policy lapses or is cancelled, and the state will suspend his license. He can drive a vehicle owned and insured by somebody else without that other person getting an SR-22 policy.

...or at least that's my understanding of it. Brother-in-law required because he's a ####### and it got caught driving without insurance. Then, because he's a #######, spent the money he should have paid to the insurance company on stupid floormats, steering wheel cover, etc..., and got his license suspended when it lapsed and the insurance notified the state. What pissed me off was he let my wife borrow his truck 2 days before he got caught driving while suspended...without insurance...and never thought to mention to her that the truck wasn't insured. I could've ripped his head off for that one. Called my insurance agent to ask if there was a way to insure us in any vehicle we are driving to protect us in the event we're stopped driving a vehicle we don't own that we weren't aware was uninsured. He said unfortunately there is not, and he explained how SR-22 works...that it isn't really anything special, other than the insurance notifies the state if/when the policy is terminated.

I'm not an insurance agent, and I've never been subject to to SR-22, so take the above for what it is worth...which really isn't much.

 

This is correct. I'm may 2013 my insurance lapsed for 3 days while I was on vacation. Once I realized it I reinstated over the phone, a month later I get a letter in the mail that Ohio wanted to verify my coverage for those dates. Sure enough they suspended my license till I got a sr22 filed with the state. Its nothing against your insurance.

 

Only time I've known of needing an sr-22 is when trying to get your license back for whatever reason they were taken away. I'd definitely be running a check on his license with the issuing state, just to cover my own behind.

 

In Ohio it'll show up as a license suspension for failure to comply, but the wording is very vague as it doesn't say is for insurance compliance

 

Your insurance company should have wrote a letter showing coverage.The law states you can't drive without insurance..if the car is sitting,you don't need squat.
Sr22 is for folks caught driving without insurance.

 

State of Ohio law states that if a car is titled, it must have insurance

 

In that case,Ill take the license suspension,fine,
Reinstatement fee,and and sr22..it will be much cheaper