Ohio Car Insurance Rate
Reader’s Question:
What are the coverages offered for motor vehicle insurance in Ohio? My boyfriend will be insuring his car next month so where thinking on insurance coverages that we need to get. What is the going rate?
Minnie
Cleveland, OH
Hello Minnie!
Here are the common coverages offered for motor vehicle insurance in Ohio:
- Bodily Injury Liability: This provides coverage on your part by paying the other party for injury or death that you’ve caused them
- Property Damage Liability: The pays for the damages you’ve caused to the other party’s vehicle or property
- Medical Payments: This offers direct protection to you. As what the name suggests, it covers you by paying for your own and your passengers’ medical bills. This is regardless whether you caused the accident or not
- Uninsured Motorists (UM): Pays for your injury claims including your household members and your passengers, if you or they get involved in an accident with a person who does not have car insurance coverage or in a hit and run accident. You, as the policyholder and also your family members are also covered even if you are just walking and are hit by an uninsured driver.
- Underinsured Motorists (UIM): This is somewhat the same with UM coverage however this time it will provide protection to you, your family members, and even your passengers if you are involved in an accident where the at-fault party has lesser car insurance limits than yours.
Those are just some of the more popular coverages offered for motor vehicle insurance in Ohio. You may want to consider checking this site for car insurance quotes in your area.
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