Auto Insurance in Ohio

What Are the Minimum Auto Insurance Requirements in Ohio?

The state of Ohio is a fault car accident state, which means that the person who is at fault for the accident is then responsible for paying damages to anyone who suffers harm. In the state, this means a person who suffers from any injury due to an accident can file a claim with his or her own insurance, file a third-party claim with the at faults driver's insurance carrier, or file a personal injury lawsuit in court against the at-fault driver.

There are some minimum requirements to know to meet financial responsibility. If you want to purchase liability insurance, then you need $50,000 total for injuries and deaths resulting from an accident you cause and $25,000 for property damage liability. You may want to have more coverage. Liability coverage kicks in if you or a family member is driving your vehicle. It also likely covers you if you get into an accident in a rental car.

What Are Some Optional Insurance Coverage Options?

In addition to the minimum liability coverage requirements in Ohio, there are other optional coverages you can get. An agent at Ken Boldt Insurance Agency II, Inc. in Green, OH can help you decide what makes sense for your situation.

Collision coverage will help reimburse you for damage to your vehicle that happens as a result of a collision with another object when you are at fault. Comprehensive coverage will give you coverage against damages and theft caused by an incident not related to an accident, such as vandalism or weather. Uninsured motorist coverage will reimburse you if you get into an accident that is caused by someone who doesn’t have insurance. You can also get underinsured coverage to help when someone doesn’t have adequate coverage. Rental car coverage will cover a rental car if your car is being fixed due to covered damage.

Contact Ken Boldt Insurance Agency II, Inc. serving Green, OH to get a quote on auto insurance.