SR-22 Services

Judgment Suspension in Ohio

A lawsuit, not a conviction — and anyone under it must file an SR-22 or bond.

Licensed in Ohio · Serving Franklin County and Central Ohio

Downtown Columbus. Photo: Shelly Woodford via Google Maps

Quick Answer

A lawsuit, not a conviction — and anyone under it must file an SR-22 or bond. Call (614) 300-2110 or request a quote.

A judgment suspension comes from a civil judgment against you for property damage or personal injury arising from the use, care or maintenance of a motor vehicle. There is no criminal case. Someone sued, they won, and the judgment is unpaid.

The BMV is direct about the filing: anyone serving under this type of suspension must file a certificate of insurance — an SR-22 or bond.

The suspension itself stays in effect until the BMV receives one of four things: a payment agreement or release from the claimant, a journal entry from the court, or a petition or discharge in bankruptcy.

That last one is worth knowing about. Ohio law treats reinstatement fees as debt that may be discharged in bankruptcy, and a discharge with a schedule of debts listing the BMV fees is something the department will accept.

Sources: Ohio Bureau of Motor Vehicles — Insurance Suspensions.

What is our services?

Here is what applies:

  • How long you need it — and what changed in 2025For a first non-compliance offence added to your record on or after 9 April 2025, the SR-22 requirement is one year. Before that date it was three years for a first offence and five years for a repeat offence within five years. What decides which applies is when the offence was added to your record, not today’s date.
  • Who files itYou contact an insurance company licensed to do business in Ohio, apply and pay for the policy, and the company files the SR-22 or bond with the Bureau of Motor Vehicles. You cannot file it yourself.
  • How fast it processesMany insurance companies file electronically, and those filings usually process within 72 hours of receipt.
  • What the certificate actually isThe BMV describes an SR-22 or bond as a minimum-limit liability insurance policy that covers only the individual named on it.
  • If the policy cancelsInsurance companies are required by law to report a cancelled SR-22 or bond policy to the Bureau of Motor Vehicles. A lapse is not something the state finds out about later; it is reported.
  • If you move out of OhioYou still file. If the SR-22 or bond is a requirement of your Ohio suspension, it follows the Ohio record — and the certificate must be written for the state of Ohio.
  • Minimum liability limitsOhio requires $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage in an accident.

Minimum coverage required: Ohio’s minimum liability limits are 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident (Ohio BMV, Mandatory Insurance).

Source: Ohio Bureau of Motor Vehicles — Insurance Suspensions. See also Ohio Bureau of Motor Vehicles — Reinstatement Fees & Amnesty.

Ready to get filed?

Most Central Ohio drivers get a quote in under 10 minutes and have the filing sent the same business day.

Other SR-22 situations we handle

Page last updated 21 August 2026. We update these pages when the state changes its published guidance.

Get Your Columbus SR-22 Quote in Under 10 Minutes

Tell us your conviction and its date, your ZIP code, and whether you own a vehicle. We will compare carriers, give you a real number, and get the filing sent as soon as you are ready.

Or call (614) 300-2110 · Text (614) 300-2110 · Open Monday-Friday, 9:00 a.m. to 6:00 p.m.. Se habla español. No obligation, no credit card to get a quote.

Submitting this form does not bind coverage and is not an application. Coverage begins only when a carrier issues a policy.