in ohio how many years does a person have to maintain insurance after a dui
Earning a DUI in the state of Ohio comes with serious ramifications that can have long term effects on individuals lives and their finances. Ohioans who are faced with such a conviction are mandated to carry an insurance policy for a certain number of years that meets the state’s requirements. Understanding what those requirements are and for how long can save an individual from bigger financial issues in the future.
Insuring an automobile is mandatory in the subsequent three years for those who have been convicted of a DUI. The requirement states that in order to have a valid license, an individual must have a policy that offers at least $12,500 in bodily injury coverage per person and $25,000 per accident. This is what is known as financial responsibility insurance and it must be maintained for the full three years in order for the individual to keep their license.
There are serious repercussions for Ohioans who fail to carry the financial responsibility insurance. Drivers can expect to incur hefty fines and potentially lose their license if caught without coverage. For those who cannot afford the policy, there is an option to purchase a minimum liability policy for a lesser premium. The minimum liability policy will cover the current minimum required amount which is $12,500 and $25,000.
It is essential to Ohioans who have had a DUI that they maintain the mandated insurance coverage for the full duration of the requirement in order to keep their license. Secure a policy that fits your budget, know what the minimum requirements are and abide by the laws. Being proactive in this situation can prevent the aggravation, additional costs and legal entanglements later on.
It is important to remember that insurance companies are aware of DUI convictions, and for those with a recent conviction, premiums could be significantly higher. With this in mind, it is smart to shop around for the best deal and also to consider the possibility of breaking a policy up into monthly payments. This could save an individual time and money, particularly when a policy renewal is due.
As an extra measure of caution, it is wise to keep a record of all transactions to and from the insurance carrier with regards to the DUI policy. This includes phone conversations, emails, premiums paid and policy payments. By documenting each transaction, a person is able to provide proof that they met the mandated requirements and have been proactive in maintaining their insurance.
Additionally, consider other options like taking a defensive driving course to potentially reduce the premium costs. It is also important to remember that the DUI requirements are subject to change and that without updated information, an individual can quickly find themselves in a violation of the law.
The best way to deal with a DUI conviction in the state of Ohio is to be extremely proactive in obtaining, understanding and maintaining the necessary insurance. Keeping regular records and monitoring the laws that govern the insurance requirement is the best way to stay compliant and avoid potential legal and financial issues. Connecting with an Ohio DUI attorney for regular updates on changes in the laws is also useful.
For those in need of financial assistance with their policy, there are available options. Having a financial responsibility bond is one way, as long as the state of Ohio fully accepts it. Another option is to acquire a diversified policy, which pools money from a variety of individuals, and at a discounted rate.
Secure an insurance broker or contact a representative from the Department of Motor Vehicles to discuss any concerns or have questions answered. Lastly, be proactive and stay up to date on any laws regarding DUI insurance requirements, and by taking these necessary steps an individual is in the best possible position to successfully uphold the rules put in place by the state of Ohio.