Ohio Car Insurance
Car Insurance » Ohio
All drivers have to meet certain minimum requirements for car insurance in order to operate a vehicle in that particular state. Ohio has mandatory minimum levels of coverage under the Financial Responsibility law. Under this law, every driver in Ohio is responsible for maintaining their coverage in order to pay for damages and injuries that are a result of negligent driving. Ohio drivers may be asked on occasion, to provide proof of financial responsibility in the form of a certificate from the Ohio Bureau of Motor Vehicles. If the driver is caught driving without coverage under the Financial Responsibility law, the vehicle could be impounded, driver’s license could be subject to suspension, and there could be court costs involved.
The minimum requirement in Ohio for ohio car insurance is $12,500 of bodily injury liability per person, $25,000 per accident, and $7,500 for property damage. Ohio is a Tort state, so a determination will be made on which driver is at fault for the accident, and that driver and their insurance company will be held responsible for the damages. Uninsured motorist, Medical coverage, Collision and Comprehensive are not a requirement in Ohio, although it is recommended by most insurance companies.
Ohio’s Graduated Driver Licensing law allows young drivers under the age of 18, to work on their driving skills and behind the wheel habits. This law limits late night driving, multiple teenage passengers, and unsupervised driving. Full coverage protection is recommended for teenage drivers who are still in the new driver learning process. The right kind of car insurance can be an important factor in how much out of pocket expenses that a driver is responsible for when an accident occurs. Having a full understanding of policy requirements, deductibles and laws will provide protection on the Ohio roadways.
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