Ohio Minimum Car Insurance Coverage

Reader’s Question:

I just moved here in Ohio and am quite confused with car insurance laws in this state. What are the minimum requirements for motorists in this state? Is it required to get Excess Uninsured Motorist insurance?

Paul

Columbus, OH

Ohio is one of the states where minimum liability insurance is required to all motorists. This liability insurance will cover for medical care and pays for property damage to the other motorist’s car in the event that the insured is at fault in an accident. With medical care and repairs costs shooting up, it is impossible for an average person to pay from his own pocket. This is why motorists are obligated by the government to obtain minimum liability insurance to have financial responsibility over accidents they cause.

While it is not required to carry comprehensive and collision insurance, it is highly recommend in this state. Since liability insurance only pays for the other motorist’s damages, comprehensive and collision will assist you financially if medical care and repairs to your car are necessary. Likewise, Uninsured Motorist Insurance is not required but would be wise to obtain. While it has been prohibited by the Ohio federal government to drive uninsured, a lot of motorists still do. This type of coverage will be your safeguard if in the future you are hit by an uninsured driver. Excess Uninsured Motorist insurance refers to the higher limits you can obtain from your Uninsured Motorist insurance. In Ohio, you can choose to accept or reject the Excess Uninsured Motorist under your umbrella policy.

Tags: car insurance, collision insurance coverage, comprehensive insurance coverage, liability insurance