The rule in Ohio is simple — if you want to drive, you have to have auto insurance. You must maintain at least $25,000 per person for bodily injury liability ($50,000 per accident) as well as $25,000 to cover property damage. Kramer-Myers & Werring-Dickerson Insurance, the premier auto insurance agency in Batavia, OH, explains below the unpleasant consequences if you drive without the proper insurance coverage. This independent insurance agency specializes in farm, life, and home insurance, and they offer clients unbeatable advice, affordable rates, and the highest quality insurance products.

First Offense Penalties

If you are stopped and fail to show proof of insurance, your license, plates, and registration could be suspended until you meet the following requirements: pay $160 reinstatement fee, submit proof of minimum auto insurance requirements, and file an SR-22 insurance bond (a document submitted by your insurance company affirming you have adequate coverage). The court may impose other penalties at its discretion. Violating a financial responsibility suspension will cause your vehicle to be immobilized and its plates removed for 30 days.     

Second Offense Penalties

A second offense within five years of the first results in a year's suspended license, with limited privileges possible after 15 days at the court's discretion. Reinstatement fees increase to $360, and violating the suspension results in vehicle immobilization and plate confiscation for 60 days.

Third & Subsequent Offense Penalties

If you commit a third offense within five years of a previous one, you will lose your license for two years, with limited driving privileges possible after 30 days as long as you have paid the reinstatement fee of $660. Violation of the suspension results in forfeiture of your vehicle (which will be sold) and you cannot register another vehicle for five years.

Kramer-Myers & Werring-Dickerson Insurance, the most trusted auto insurance agency in Batavia, OH, wants to help you avoid such penalties by making it as easy and affordable as possible to maintain the minimum coverage. Visit their website for contact information or call (513) 732-1461 to speak to a friendly, knowledgeable representative about affordable auto insurance quotes. You can also find the insurance team on Facebook.