Ohio requires the vehicle owner (car, truck, RV) to maintain a certain amount of insurance coverage. Since Ohio is a “fault” state, all drivers must present their financial responsibility for any crash they might cause. Thus, state law requires drivers to have at least the minimum car insurance coverage.
You will get penalized if you’re caught driving without Ohio’s minimum liability insurance policy. This means that the state can suspend your driver’s license for up to 90 days or impound your vehicle. Having liability insurance for your car in Ohio means that if you’re at fault for an accident, the insurance will cover the other vehicles involved. Liability insurance does not cover yourself; that would be a type of full coverage insurance.
If you let any family member drive your vehicle or permit someone else to use it, your liability coverage will kick in if they get into an accident. But again, this is only to cover the other driver. Any damages to your car or any injuries sustained by you or your friend who is driving your vehicle will not be covered with liability insurance.
Additional Insurance Coverage for Vehicles in Ohio
Obtaining liability insurance is a great way to save money in the short term. In the long run, you should aim to get additional coverage for yourself and for your vehicle. Plus, if you let a friend or family member borrow your car, having supplemental insurance coverage may also cover them in case of an accident.
In Ohio, the minimum requirements for insurance coverage include:
– $25,000 for injury or death of one person (another driver, a pedestrian, a passenger) in an accident you cause
– $50,000 for all injuries or deaths resulting from a single accident you cause
– $25,000 for property damage arising out of a single accident you cause
Remember that the minimum coverage requirements can quickly be exhausted if you experience a severe accident. Depending on your daily commute, weather conditions, and area of residence, there may be additional coverage that can directly benefit you, your vehicle, and your loved ones.
Reach out to Bill Palmer Insurance in Lancaster, Ohio
Bill Palmer Insurance, Inc is a full-service independent agency that has been serving all of Ohio since 1977. As an autonomous insurance agency, we represent various companies and a wide range of products.
Our Lancaster insurance agents can match up the right company, product, and affordable coverage for each situation, which is why we’ve been considered as “the Ohio neighbor you can trust.”
Whether you need life insurance, commercial insurance, homeowners insurance, car insurance, RV insurance, or motorcycle insurance, call us for a quote at 740-687-5733.