Ohio’s Financial Responsibility Act prohibits vehicle owners from operating or allowing the operation of their vehicle without insurance. One method of verifying that a vehicle owner maintains insurance is through the Random Selection Program. The BMV uses a subsidiary office in Hudson, Ohio to administer the initial phase of the Random Selection program. The BMV randomly selects 5,400 registered vehicles per week to provide proof of insurance for a selected date. Letters notifying the owner of the random selection are mailed to the address on file for the owner. A random selection suspension occurs if a vehicle owner fails to provide proof of insurance.
In order to cancel a random selection suspension, the individual must provide proof of liability insurance coverage listing the selected vehicle in effect for the requested verification date. The individual may submit a copy of his or her automobile insurance policy declarations page, insurance identification card or a letter on insurance company letterhead and signed by the agent indicating liability insurance was in effect.
The BMV’s subsidiary office in Hudson, Ohio, can be reached at:
BMV Insurance Processing Center
P.O. Box 209
Hudson, OH 44236-0209
Jump to Reinstatement Requirements.
If a vehicle owner provides clear evidence that he or she customarily maintains insurance, then the individual may be exempt if one of the following are applicable:
The vehicle owner first must provide proof that he or she customarily maintains insurance. Acceptable proof would be an insurance card, declarations page or letter from the insurer on the agent’s or company’s letterhead. The proof of coverage must include the start and end dates of the coverage, policy number and list the vehicle selected. Exemptions are reviewed on a case-by-case basis.
The proof of insurance provided must cover dates shortly before the vehicle became inoperable. If the vehicle was inoperable, the BMV will accept the following as proof:
The BMV will not accept the following documentation:
If the vehicle is only used at certain times of the year, the owner must provide a letter from his or her insurance agent stating the vehicle has a history of being driven seasonally and is only insured when in use.
If the owner was not at fault for lack of financial responsibility, the BMV must receive documentation to support it. For example, the vehicle was awarded to the other party in a divorce settlement.
The lapse in insurance was caused by an event that is unlikely to occur again. For example, the vehicle owner was hospitalized at the time the insurance bill was due.
If the vehicle was sold or traded prior to the date of random selection, the individual must submit one of the following as proof:
If the vehicle is stored, you must submit a receipt from a paid storage facility for exemption from the financial responsibility requirement.
If the owner is in the military, the owner must be stationed outside of Ohio. The individual must submit a copy of his or her orders or other official documentation in order to be exempted.
If the owner is incarcerated, he or she will need to submit a letter from the correctional facility or other official documentation. If the registration is renewed during the incarceration, then the vehicle will be considered to be in use by a family member or other individual and will not be exempted.
Ohio Revised Code: 4509.101
A random selection suspension will stand until the owner meets the following requirements:
Ohio Administrative Code: 4501:1-2
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