OSSA Insurance News

Five Insurance Gaps Ohio Boaters Don't Know

Tue, 08 Jul 2025 21:12:06 GMT

1. Your Homeowners Insurance May Not Fully Cover Your Boat

Most Ohio homeowners policies only offer very limited boat coverage , usually restricted to:

Boats under 25 hp
No liability for others
No coverage away from your property
No coverage for theft from marinas or docks

If your boat is motorized, stored off-site, or valued over a few thousand dollars, it likely needs a separate watercraft policy .

OSSA Insurance is here to answers your questions and maximize coverage at low, affordable rates. Call us with any questions and how to save on your insurance needs: (614) 486-0806

Being legally compliant on the water is essential, but insurance is your lifeline if something goes wrong. And here’s the truth: many boaters in Ohio are dangerously underinsured without realizing it. Below are five critical gaps that OSSA Insurance educates every boater about during policy reviews.

2. Towing and Emergency Assistance May Not Be Included

3. You May Be Personally Liable for Injuries or Damage

4. Your Gear Might Not Be Covered

5. Your Trailer Might Not Be Covered Either

Standard policies often don’t include on-water towing, or they cap assistance at very low amounts. A tow from the midd le of a lake can cost you hundreds of dollars.

We recommend adding emergency towing and trailer roadside assistance for peace of mind.

Boat collisions, passenger injuries, or damage to docks/property can all result in lawsuits. Without sufficient liability coverage, you could be on the hook for:

Medical costs
Property repair
Legal fees
Settlements or judgments

This is the most financially devastating gap for boaters, and one we always prioritize fixing.

That fish finder, custom trolling motor, YETI cooler, or $1,000 rod setup? Many boat policies in Ohio exclude or severely limit coverage for personal equipment unless it’s explicitly listed on the policy.

At OSSA, we often find that clients underinsure the value of what's actually on board.

If you’ve invested in quality gear, electronics, or add-ons, it may warrant an increase in your overall policy limits - or a separate rider - to ensure you're fully protected if there’s damage, theft, or a claim.

Boat trailers are commonly misunderstood. Many assume their auto insurance will cover it, but that’s not true. Only Liability Insurance extends during towing - and not for theft, vandalism, or other physical damage. A separate trailer policy is often the smartest move for full protection.

A quick review of your boating policy or needs with an agent can help you avoid finding out the hard way. Stay safe out there, Captain!

How to Get an SR22 / SR-22 in Ohio and Your Driver's License Back

Tue, 04 Mar 2025 00:58:32 GMT

Getting an SR22 / SR-22 in Ohio:
A Guide to Reinstating Your License

If you’ve been required to get an SR-22 in Ohio, you’re probably feeling overwhelmed and unsure of where to start. Whether it’s due to a DUI, a serious traffic violation, or a lapse in insurance coverage, Ohio mandates certain drivers to file an SR-22 with the Bureau of Motor Vehicles (BMV) before they can regain their driving privileges.

The good news is that OSSA Insurance makes this process straightforward by providing SR-22 quotes and filing your SR22 electronically with the Ohio BMV. In this blog post, we’ll walk you through the steps to get your SR-22 in Ohio, explain how to reinstate your driver’s license, and show you how OSSA Insurance can help every step of the way.

What is an SR-22?

An SR22 / SR-22 is a financial responsibility filing notifying the BMV that you're keeping minimum liability coverage in force. When you renew or get new tags at the BMV, there is a clause on the paperwork everyone signs indicating you have insurance.

The SR-22 form can be filed by your insurance company directly with the Ohio BMV, or OSSA can email you the form or you may pick it up at the office., and it helps ensure that you maintain active insurance coverage for a set period, usually 3 years.

Steps to Get an SR-22 and Reinstating Your Driver’s License in Ohio

Step 1: Get an SR-22 Quote from Ohio State Service Agency

Visit the OSSA Insurance website or call one of their representatives to get an SR-22 quote. OSSA works with drivers from all backgrounds, and they understand that the situation you’re in might be stressful. Their agents will provide you with a quote based on your driving history and help you choose the right coverage. Remember, you’ll need to meet Ohio's minimum liability insurance requirements in order to get your SR-22.

Step 2: Purchase the Required Insurance

Once you’ve received your quote and approved your coverage, you’ll need to purchase your policy. OSSA Insurance will initiate the SR-22 filing process for you, within 24-48 hours. If you need to physically take the SR-22 to the BMV, OSSA can email you the form or you may pick it up at the office. This fast, efficient process ensures there are no delays in getting your suspension lifted and your license reinstated.

Step 4: Submit Proof of Insurance and Pay the Reinstatement Fee

After OSSA Insurance files your SR-22, you will need to pay a reinstatement fee to the Ohio BMV. The fee varies depending on your violation history, but typically it’s around $450. This fee must be paid before your driver’s license can be reinstated.

Step 5: Wait for Your Suspension to Be Lifted

Once the SR-22 is filed and your reinstatement fee is paid, the Ohio BMV will process your paperwork. In most cases, you’ll be able to drive immediately, as long as your suspension is cleared and all requirements are met.

Step 6: Maintain Your SR-22 for the Required Period

Ohio law requires that you maintain your SR-22 insurance coverage for a set period, typically three years. If your coverage lapses or is canceled for any reason, you could face another suspension. OSSA Insurance will remind you when it’s time to renew your SR-22 policy, so you won’t have to worry about missing important deadlines.

Additional Tips for Getting Your License Back in Ohio

Stay compliant : Always keep your SR-22 policy active. If your insurance lapses, even for a short period, the Ohio BMV will be notified, and your suspension could be reinstated.
Check your driving record : Regularly check your driving record to ensure no mistakes have been made in the reinstatement process.
Follow court orders : If your SR-22 requirement is linked to a court order, make sure you comply with all court-ordered requirements (such as attending traffic school or completing community service).

Conclusion

Getting your SR-22 in Ohio doesn’t have to be complicated. With OSSA Insurance, the entire process, from getting a quote to having your SR-22 filed electronically with the Ohio BMV, is quick and easy. Whether you’re dealing with a suspension due to a DUI or another serious violation, OSSA can help you regain your driving privileges and get you back on the road in no time.

By following these steps and maintaining your SR-22 for the required duration, you’ll be able to ensure your license stays valid and avoid further complications. So, take a deep breath, reach out to OSSA Insurance for a quote, and get started on the path to reinstating your driver’s license today!

The Ultimate List of Tips to Save on Auto Insurance

Wed, 20 Nov 2024 19:12:33 GMT

Let's get you those savings!

Here’s the ultimate list of ways to shrink your auto insurance bill. Some might take a little effort, but they’ll pay off in the long run. ��

These Tips can help your bottom line, improve your driving, and get you MAXIMUM SAVINGS on your auto insurance

1. Shop Around for the Best Deal

Don't settle for the first offer you get! Insurance prices can vary a lot between companies, so take a few minutes to compare quotes.

2. Bundle Your Policies

One stop shopping, big savings. If you have renters or home insurance, bundle them with your car insurance. Most companies will give you a discount when you have multiple policies with them.

3. Increase Your Deductible

Risk a little more now, save later. If you raise your deductible (the amount you pay out-of-pocket before insurance kicks in), your monthly premiums will be lower. Just make sure you have enough saved up for that rainy day!

4. Drive Less (And Save More!)

The less you drive, the less you pay. Low-mileage drivers are seen as less risky, so if you don't drive much, let your insurer know. Some even offer discounts for people who drive under a certain number of miles per year.

5. Improve Your Credit Score

A good credit score means lower insurance rates! Insurance companies often use your credit history to determine rates. So, paying down debt and making payments on time can help reduce your premium.

6. Opt for a Safe, Reliable Car

The newer and fancier, the higher the price tag. Choose a car with high safety ratings and lower repair costs. The more expensive your car, the more it costs to repair or replace it, which can drive up your insurance.

7. Seniors, take a Defensive Driving Course

Get schooled, save money. Many insurers offer discounts if you take a certified defensive driving course. It’ll make you a safer driver—and save you cash!

8. Maintain a Clean Driving Record

No tickets, no accidents = happy wallet. Keeping your record clean is one of the best ways to lower premiums. Insurers love drivers who’ve stayed ticket- and accident-free for a few years.

9. Electronic Monitoring
Most carriers have an option to sign up, which usually involves downloading an app on their phone that collects driving habits. Some have additional options for new young drivers that will block phone usage during driving.

10. Ask About Discounts

Don’t be shy—ask! It could save you cash. Insurance companies often offer discounts you might not know about. These can include discounts for things like safety features in your car, low mileage, or even being a good student.

11. Drive a Car with Safety Features

Safer car = lower premiums. Cars with features like airbags, anti-lock brakes, and automatic emergency braking systems are often cheaper to insure because they reduce the risk of accidents and injuries.

12. Limit Coverage on Older Cars

If your car’s not worth much, you don’t need full coverage. If your car’s value has dropped significantly, it may make sense to reduce your coverage. For example, you could drop collision or comprehensive insurance on a car that’s worth less than your deductible.

13. Pay Your Premiums Upfront

Monthly payments add up fast. If you can afford it, paying your premium in one lump sum can save you a bit on fees and interest. Plus, it’s one less thing to worry about every month.

14. Choose the Right Car Insurance Provider

The right company makes all the difference. Customer service, claims process, and overall satisfaction vary by company. Do your research and choose one that balances cost with good service. Sometimes a slightly higher premium from a reliable company is worth the peace of mind.

15. Stay on Your Parents’ Insurance (If You Can)

Hey, you’re still family! If you're under 25, staying on your parents' policy can sometimes save you big bucks. Many companies offer lower rates for young drivers under a parent’s policy, especially if you don’t drive often or have a clean driving record.

There you go! With a little bit of strategy, you can shave off quite a bit from your monthly car insurance premium.

Happy driving (and saving) !