How to Fill Out the Ohio BMV 3303: Uninsured Accident Report

The Ohio BMV 3303, formally the Uninsured Accident Report, is the form you send to the Ohio Bureau of Motor Vehicles when you want to report that the other driver in your crash was uninsured. You complete it as the insured party, attach proof of your damages, and submit it to the BMV’s Compliance Unit by mail or email within six months of the accident. If everything checks out and the other driver cannot show they were covered, the BMV can suspend their driving privileges.

Who Can File the Report

Under Ohio Revised Code 4509.06, anyone involved in a motor vehicle crash — as a driver, property owner, or injured person — may send this report to the registrar alleging that another driver or vehicle owner was uninsured.¹ An insurance company handling the claim on your behalf can file it instead of you.²

A few conditions have to be met before the BMV will act:

The crash happened in Ohio.
Property damage exceeds $400, or personal injury claims exceed $500, with documentation to back the numbers.²
The report reaches the BMV within six months of the accident date.¹
Your own vehicle or property was covered by liability insurance or another acceptable form of financial responsibility at the time of the crash.

That last point matters. The form requires you to certify your own coverage. If you were also uninsured when the accident happened, you cannot use the BMV 3303 to trigger a suspension against the other driver.²

What You Need Before You Start

Download the form as a PDF from the Ohio Department of Public Safety website. Before filling anything in, gather the material you’ll need to attach, because the BMV will not process a report that arrives without supporting documents.

A copy of the police report, if one was taken.
An itemized repair estimate or bill for vehicle or property damage.
Medical bills or other documentation for any injury claim.
A denial-of-coverage letter from an insurance company, if you have one.
Enough identifying information about the uninsured driver and owner that the BMV can match them in its records — the form warns you need at least three identifiers that match, such as name, address, date of birth, Ohio driver’s license number, or Social Security number. Without that match, the report goes nowhere.²

Filling Out the Form

Accident Information

Enter the date and time of the crash, the number of vehicles involved, and the full location: street address, city, state, and ZIP. Mark whether a police report was taken and include a copy if it was.

Driver and Owner to Be Suspended

Identify the uninsured person. Fill in name, phone number, address, driver’s license number, state of issuance, date of birth, and Social Security number if you have it. For the vehicle, you need the year, make, and either the license plate number or the VIN. One of those two is required; both is better but not necessary.² A separate but identical block of fields covers the vehicle’s owner, because the driver and owner are not always the same person. Fill in both if they differ.

Denial of Coverage

If an insurer has already denied coverage for the other driver or owner, mark that section and attach the denial letter. It isn’t required, but it speeds up the BMV’s review.

Claimant Information

Here you identify yourself and your own insurance. The form has two tracks. If you are filing personally, enter your name, phone, address, insurance company name, policy number, and the policy’s effective dates. If your insurer is filing on your behalf, they fill in their company name, claim number, policy number, and the office handling the claim.

Damage and Injury Information

Document the dollar cost of the crash and attach evidence for each category.

Vehicle damage: enter the dollar amount and attach an itemized repair estimate. The amount must exceed $400.
Other property damage: same $400 threshold, same estimate requirement.
Personal injury: list the injured person’s name and contact information, note whether they were the driver or a passenger, and enter the dollar amount of the claim. It must exceed $500, and medical documentation must be attached.²

Be specific. If the front bumper, hood, and radiator are damaged, each should appear on the estimate with its own line item. A diagnosis from a medical provider carries weight; a general complaint of pain does not.

Certification and Signature

Print your name, sign, and date the form. Your signature certifies that the information is accurate and that your own damaged vehicle or property was covered by liability insurance or another acceptable form of financial responsibility under ORC 4509.101.² An unsigned form will not be processed.

Where to Submit It

You have two options. By mail:

Ohio Bureau of Motor Vehicles
Attn: Compliance Unit
P.O. Box 16583
Columbus, OH 43216-6583

By email: BMV3303@dps.ohio.gov.² Email is faster and gives you a timestamped record. Whichever route you use, confirm every required attachment is included before sending.

What Happens After You File

The Compliance Unit mails a notice to the driver and owner you named. They have 30 days from the date the notice was mailed to send the registrar proof that they actually carried financial responsibility at the time of the crash, along with their own report on the prescribed form.¹

Twenty days after receiving your report, the registrar also determines a security deposit amount sufficient to cover a potential judgment for damages from the crash. For any accident involving personal injury, that deposit cannot be less than $500.³

If the other driver fails to produce proof of coverage within the 30-day window, the BMV can move to suspend their driving privileges. A driver found to have been uninsured faces a non-compliance suspension and must carry an SR-22 certificate of insurance (or surety bond) for one year and pay a reinstatement fee before the suspension is lifted. The suspension can also be removed without full reinstatement if the driver produces valid proof they were actually covered at the time of the crash.⁴

From your side, there is nothing more to do once the report is submitted. The BMV handles the notice, the investigation, and the suspension.

Mistakes That Sink a Report

Three problems account for most rejected or stalled filings.

Not enough identifying information. Fewer than three matching identifiers for the uninsured party, and the BMV cannot locate the person in its system. Get what you can at the scene: plate number, driver’s license, name, and date of birth. The police report is your backup.

Missing damage or injury documentation. A dollar figure written on the form, without an itemized repair estimate or medical bill behind it, doesn’t meet the requirement. The form says estimates and documentation must be attached.

Filing after the six-month deadline. The clock runs from the accident date, not from the date you learned the other driver had no coverage. If an insurance denial comes months after the crash, you may already be close to the deadline. File as soon as you know.

1
Ohio Legislative Service Commission. Ohio Code 4509.06 – Accident Report Alleging Uninsured Driver or Owner
2
Ohio Bureau of Motor Vehicles. Ohio BMV 3303 Uninsured Accident Report
3
Ohio Legislative Service Commission. Ohio Code 4509.12 – Security Deposit
4
Ohio Bureau of Motor Vehicles. Insurance Suspensions