When shopping for car insurance in Ohio, keep in mind that your entire household is taken into consideration when determining your automobile insurance premium. Car insurance companies assume that every licensed driver in your household is a potential driver. Also keep in mind that many car insurance companies do not look at accidents or tickets that are older than three years old, but some companies do look as far back as 5 years. In Ohio, it is legal for auto insurance companies to use credit as a factor in determining your vehicle insurance score.
Since 1980, Ohio has had as law comparative negligence in determining who is at fault in an accident. The comparative negligence law allows for the fault to be shared between drivers and this affects how much you can collect from the other drivers and their insurance companies.
For more information regarding auto insurance information, give the Ohio Department of Insurance website a visit at: http://www.ohioinsurance.gov/
If you’re still having trouble finding an automobile insurance company in Ohio that will write you a policy, you may be considered a “high-risk” driver and may need to purchase car insurance through the Ohio Automobile Insurance Plan. For more information, you can reach the Ohio Auto Plan at (614) 221-2596.
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Ohio Automobile Insurance Requirements:
In order to satisfy the auto insurance laws in Ohio, the coverage you purchase must meet the following minimum requirements:
Bodily Injury: $12,500 per accident/ $25,000 per accident
Property Damage: $7,500 per accident
The Ohio Automobile Insurance Plan:
If you feel that the minimum requirements may not be enough, you can always increase the coverage or consider adding on optional coverage to your auto insurance policy. Optional coverage for car insurance offered in Ohio include:
UM/UIM (Uninsured and Under-Insured Motorists)
UMPD (Uninsured Motorist Property Damage)
Physical Damage (Collision & Comprehensive) |
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