In Ohio, drivers must carry bodily injury liability insurance and property damage insurance in order to legally drive. The purpose of having these two different types of insurance in place is to keep the driver protected from any damages that may occur because of an accident the insured driver causes. Ohio car insurance companies consider several different factors when determining the rates their insured drivers will have to pay. Some of these include the type of vehicle the driver is having insured, the age of the driver, and the person’s driving record.
The minimum liability coverage for Ohio drivers is 12.5/25/7.5. This means the minimum coverage an Ohio driver is required to carry for each person injured from the accident is $12,500. With personal injury insurance, an Ohio driver is also required to carry $25,000 in coverage for any injuries the driver causes in an accident. Ohio drivers also must carry $7,500 in order to cover the cost of property that is damaged from an accident that was the fault of the insured driver.
Ohio drivers are free to carry additional insurance coverage on top of what is required of them, though carrying additional coverage is optional. Some of the different types of optional coverage an Ohio driver may choose to carry include collision insurance, comprehensive insurance, coverage for medical payments, and additional insurance to cover the underinsured or the uninsured.
Bodily Injury Liability, or simply BI for short, must provide $25,000 of coverage per accident and $12,500 of coverage per person. This type of liability insurance protects the driver in the event that he or she has caused the accident. Bodily Injury Liability covers several different things, these include accidental death or injury of any other driver, accidental injury or death of any passengers that may have been involved in the accident, and accidental injury or death to any pedestrians.
Ohio law also mandates that its drivers carry $7,500 in Property Damage insurance, or PD for short. With Property Damage insurance, the insured Ohio driver is protected if he or she is at fault for an accident that causes damage to another person’s property. With Property Damage insurance, the cost of repairing or replacing other driver’s vehicle is covered, as is the cost associated with other property that may be damaged.
In order for a driver to register a vehicle in Ohio, he or she must produce poof of insurance. Drivers can also demonstrate proof of insurance with the help of a temporary insurance card that is issued by the insurer. Furthermore, Ohio drivers may show proof of insurance by presenting the receipt from the premium payment or by presenting an insurance binder issued by the insurance agent. The driver may also use the current declarations page of liability insurance policy in order to prove coverage.
Ohio drivers can show proof of insurance by presenting their actual insurance policy or the certificate of liability insurance policy as well. If an Ohio driver has purchased a vehicle within the last 60 days, he or she can also prove coverage by showing proof that the replaced vehicle had adequate insurance coverage. Those Ohio drivers that rent a vehicle must also be able to demonstrate coverage by showing the rental agreement, which will contain proof of insurance.