Basic Liability Auto Insurance in Ohio is Required

Every state has different laws regarding car insurance and it is important to check your own state for local regulations before buying auto insurance. Ohio is a tort state, which means that the driver is responsible for any injuries or damages to property that they cause to another party in an accident in which they are at fault.

Being a tort state, it is mandatory for every driver to carry liability insurance with a minimum of $12,500 per person for bodily injury, with a total of $25,000 per accident, and a minimum of $7,500 for property damage. However these are only the minimums that are required by law, every driver can make the determination if they can afford more insurance.

Because the minimums required for auto insurance in Ohio are quite low, it is advisable that you purchase additional insurance if you have any assets to protect or have family responsibilities. All insurance companies will offer you the option of adding more liability insurance, as well as other types of policies such as comprehensive, or collision insurance.

You can also purchase medical insurance to protect you if you have any medical bills in an accident. As with any state, it is advisable to purchase additional insurance to cover the uninsured or underinsured. This will protect you if you are involved in an accident with someone who does not have any insurance coverage, or their coverage is inadequate.

In order to drive a vehicle in Ohio, you must show proof of financial responsibility. A driver can do this in a few ways. You can post a bond of $30,000 or a real estate bond of $60,000 or purchase the minimum liability insurance as described above. Most drivers choose to buy the insurance.