What You Must Know About Ohio Auto Insurance Requirements

If you own and drive a vehicle in Ohio, the state requires you to carry a minimum level of third-party liability coverage before you ever pull out of the driveway. Skipping coverage or underestimating your auto insurance limits can put your license, your finances and your ability to keep driving at risk.

What Are Ohio’s Minimum Insurance Requirements?

Ohio sets the minimum auto liability limits at 25/50/25: $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident. Driving without meeting these minimums may result in fines, license suspension and vehicle registration issues.

What Does a Policy Cover?

A standard auto policy can offer coverage for the following:

• Damage to your vehicle caused by hitting an object or another vehicle
• Damage caused by falling objects, fires, natural disasters, theft or vandalism
• Bodily injuries or property damage you cause to others while operating your vehicle
• Medical payments for you and your passengers after an accident, regardless of fault
• Your losses if you’re hit by an at-fault motorist with little or no liability coverage

Depending on your circumstances, you can purchase endorsements for custom parts and upgrades, and roadside and towing assistance. Talk to your broker to learn more.

How We Can Help

Contact Jerry L. Payne Agency LLC to review your current coverage or build a policy from the ground up. We work with drivers across Findlay, OH and take the time to match your coverage to Ohio’s requirements, as well as your driving habits, your vehicle and your risk tolerance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.