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Changing Proof of Insurance Requirements for Ohio Motorists

Posted On: April 3rd, 2015   |   Posted by: Luftman, Heck & Associates LLP

Legally operating a vehicle in Ohio requires not only a valid driver’s license, but also a valid up to date insurance policy on the vehicle, and proof of it. Drivers are required to provide proof of insurance (or financial responsibility, as it is often called) when they are involved in an accident that results in bodily injury or at least $400 worth of property damage, if a police officer asks for it during a traffic stop, or in response to a random Bureau of Motor Vehicles request for proof. Failure to comply can result in fines and/or other penalties.

Ohio drivers have always been required to carry hard copy proof of insurance, but as of Monday, March 23, 2015, a digital option has become available. Now in Ohio, like in an increasing number of states, motorists can provide proof of insurance electronically on a cellphone, tablet, laptop, or other similar device. If you prefer paper, don’t worry, that’s still a valid option, the only difference is now there are alternative ways to show your proof of financial responsibility.

Make sure these changes don’t catch you off guard, and that whether you have paper proof or electronic, you always have one or the other, because penalties for failure to provide proof of financial responsibility when required can be stiff. Depending on the circumstances, violators could be subject to fines that range from $150 to $650, suspension of license plates and vehicle registration, or even the suspension of driving privileges for up to 2 years. To make sure you’re always covered, keep your paper insurance card in your vehicle at all times, and know how to readily access your proof of financial responsibility electronically should the need arise.

Although providing proof of insurance is becoming easier as Ohio laws catch up with evolving technology, some people will still be ticketed for violating. Some will simply have no proof to provide, and others may be issued citations for digital proof by law enforcement who is mistaken about the current state of the law. That’s where having an experienced Columbus traffic lawyer comes in. If you are issued a citation for failure to provide proof of financial responsibility for any reason, the first thing you should do is remain calm. Treat your ticketing officer courteously, and call Luftman, Heck & Associates at (614) 500-3836 as soon as you are able. You can reach us any time to schedule your free consultation, and don’t forget that the sooner you call, the sooner we can help. A ticket for failing to provide proof of financial responsibility may be “just a ticket” – but it is one that can have lasting consequences if it is not remedied efficiently and effectively by an experienced professional. For more detailed information about your rights and responsibilities in regards to proof of financial responsibility, check out Ohio’s Bureau of Motor Vehicles website.


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An experienced traffic attorney from our firm can protect your rights and fight to reduce the penalties you face. The last thing you want to do is rack up points on your license, expensive fines, or more. Learn more in a free consultation today. To contact us, either call (614) 500-3836 or email

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