OH HB678

Establishes an online financial responsibility verification system allowing the Registrar of Motor Vehicles to electronically verify auto insurance coverage during traffic stops, vehicle registration, and accidents

Requires insurers covering Ohio-registered vehicles to participate in the verification system by maintaining and updating insurance data, responding to electronic inquiries, and keeping records for at least six months

Creates a "blackout license plate" option (black background with white letters) for $40, with proceeds funding the verification system, plus a $10 administrative fee

Adds proof of financial responsibility as a requirement for vehicle registration approval, with registration to be refused if the owner cannot demonstrate valid insurance coverage

Implements a 9-month development period followed by a 9-month pilot program during which no penalties will be imposed based solely on system data, with full implementation and a report to the General Assembly due within two years