Does Ohio Bureau Of Motor Vehicles Verify Insurance Coverage

Understanding the Law

Drivers in Ohio are required by law to carry a minimum level of liability insurance coverage for their vehicles. This insurance covers financial losses for other drivers if you are found to be at fault in a car accident. The Ohio Bureau of Motor Vehicles (BMV) requires drivers to prove they have the required coverage before they can register their vehicles. The BMV verifies the insurance information to ensure Ohio drivers remain in compliance with the law.

Verification Process

The verification process begins when you apply for vehicle registration. You will need to bring your current insurance information or a copy of your insurance declaration page. The declaration page is a document that contains all the details of your insurance policy, such as the policy number, the effective date, the expiration date, and the coverage limits. The BMV will also need to see your vehicle identification number (VIN) and the license plate number.

Once you have provided the documents, the BMV will verify the information with your insurance company. The BMV will then enter the information into their system and issue a certificate of insurance. This certificate will remain on file with the BMV, and you will need to present it if requested.

Failure to Provide Proof of Coverage

If you fail to provide proof of insurance coverage, the BMV may take action against you. The BMV may suspend your registration and levy a fine. The amount of the fine will depend on whether you have been previously cited for not having insurance. You may also be required to provide proof of insurance before your registration can be reinstated.

Records of Insurance Coverage

The BMV maintains records of insurance coverage on all vehicles registered in the state. The records are updated on a regular basis to ensure that all drivers remain in compliance with the law. Drivers who fail to maintain the required level of coverage can face fines and other penalties.

Conclusion

The Ohio Bureau of Motor Vehicles is responsible for ensuring that all drivers in the state carry the required level of liability insurance coverage. The BMV verifies the insurance information provided by drivers to ensure they remain in compliance with the law. Failure to provide proof of insurance coverage may result in fines, penalties, and suspension of registration. The BMV maintains records of insurance coverage on all vehicles registered in the state.