THE FINANCIAL RESPONSIBILITY ACT If you are an uninsured driver involved in an accident involving personal injury, death or property damages exceeding $400.00 your license can be suspended until one of the following occurs: R.C. 4509.45, 4509.101 and other sections Ohio’s Financial Responsibility Act has spawned an entire network of suspensions that have conflicting and contradictory provisions in the Ohio Revised Code. Ironically, the FRA suspension is not a suspension in its own right. It is always attached to another suspension, but often lives beyond the suspension that it is attached to. It is not an absolute suspension in that the driver is only required to maintain “HIGH RISK” insurance (SR-22 or Bond) for the designated period of the offense. If the SR-22 lapses, the FRA suspension goes back into effect immediately.

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