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29 Mar

Ohio’s Minimum Coverage Requirements for Auto Insurance

What are the minimum coverage requirements in Ohio?

In Ohio, it is illegal to drive any motor vehicle without insurance or to allow another person to drive your vehicle without insurance or proof of financial responsibility. Under Ohio law, the required minimum coverage amount is currently $25,000 per person. Under Ohio law, the required minimum for Property Damage Liability Coverage is $25,000.


What does Oho law require for insurance coverage?

Ohio law requires that if a person purchases automobile insurance, they also purchase Bodily Injury Liability Coverage and Property Damage Coverage. For a motor vehicle liability insurance policy, insurance cards must be issued by an insurer to the policy holder for each motor vehicle insured under the motor vehicle liability insurance policy.


Should you purchase more coverage than the minimum?

Having additional coverage can protect you and your assets in the event of a serious accident.  In the event of a severe accident, the law allows victims to take any assets you might have in order to cover the costs of any damages if you do not have adequate coverage.  The value of your assets is one way to help you determine the amount of coverage you should have.


What happens if I get in an accident and only have minimum coverage?

In the event that you get in accident and only carry minimum coverage, your insurance should cover you up to $25,000.  If the damage exceeds your policy limits, you would be held legally responsible to pay for any damages that your insurance does not cover. You run the risk that assets like your car and home could be taken away from you to pay for the damages.


How can an attorney help me if I am in a motor vehicle accident with no/minimum coverage?

Being involved in an automobile accident is a confusing time with lots of questions. Having the experienced attorneys at Tompkins, Selph, & Associates, Ltd. there to assist you can help streamline the process and alleviate some of your stress.  Hiring a personal injury attorney to represent you after a motor vehicle accident means you will have a knowledgeable professional working for you and can advise you on a variety of factors.  Having an experienced and knowledgeable attorney can help level the playing field between you and your insurance company.

The most important thing is having the car accident attorneys at Tompkins, Selph, & Associates, Ltd. advocate for you. Having our experienced advocates working for you is key in obtaining a fair resolution in your motor vehicle accident case.

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