Insurance regulations vary in every state. In Ohio, The following mandates for auto insurance are in place:
- Liability coverage for bodily injury: $25,000 per individual and $50,000 per accident
- Liability coverage for property damage: $25,000 per accident
This means that it is required in the state of Ohio to carry liability insurance for your automobile for both bodily injury and property damage. Ohio is considered a "fault state." In the event of an accident, if you are at fault in an accident, you are required to contact your insurance company and your company will pay the damages.
This is why it is important also to call the police to get a police report, so that there is an objective party ruling on whose fault (if any) it was. That way someone cannot argue that it was your fault if the officer rules that it was the other party’s fault.
Once you have the minimum coverage, you may want to speak with a professional insurance agent about getting additional coverage.
Some of the other types of coverage you may need are:
- Collision
- Comprehensive
- PIP (personal injury protection)
Capretta Insurance Agency of Parma, OH can explain what the benefits are for these types of coverage and visit with you about whether you may need to carry these on your car.
As long as you carry the minimums, you’re ok in Ohio.
Don’t forget that, in additional carrying liability insurance, you must also always keep a copy of your insurance card in your car glove compartment in case you are pulled over for any reason. Failure to do so can cost you fines and penalties.
Visit with Capretta Insurance Agency today if you’re in the Parma, OH area and learn more about the auto insurance that gives you peace of mind.
