Auto Insurance in Ohio Key Terms

Find out more about car insurance in Ohio

If you own a car in Ohio, or perhaps several company cars, you will need insurance. You have many choices when it comes to obtaining car insurance in Ohio. Learn about the types of insurance that are required and optional in Ohio before buying coverage.

 

Tort system

The Tort system in Ohio means that someone needs to be found at fault in each car accident, and whoever is found at fault needs to pay for the damages to all cars involved in the accident.
Try: InsuranceUSA explains the Tort system as it applies in Ohio.

Bodily injury liability

Bodily injury liability coverage will pay for any injuries or deaths in a car accident. The state minimum coverage in Ohio is $12,500 per person, with a limit of $25,000 per accident.
Try: InsureMe provides information about bodily injury liability coverage in Ohio.

Property damage liability

Property damage liability coverage ensures that you can pay for damages you cause to other people's property, such as their car. The minimum property damage liability in Ohio is $7,500.
Try: Ensurance.com explains property damage liability in Ohio.

Uninsured/underinsured coverage

Uninsured/underinsured coverage is optional in Ohio. It covers your medical costs if you get hit by a driver with no insurance or one who does not have enough insurance to cover the costs. It also applies in hit-and-run accidents.
Try: Check out Car Insurance Rates for an explanation of uninsured and underinsured motorist coverage.

Collision and Comprehensive

Collision coverage will pay for your car to be repaired after a car accident. Comprehensive coverage, on the other hand, pays for your car to be fixed in the event of some other type of accident, such as a fire, flood, theft or any other unfortunate incident not in your control. Neither is required in Ohio, but both are recommended.
Try: DMV.org defines coverage like collision and comprehensive.

Ohio Automobile Insurance Plan

This plan exists for those who cannot get car insurance in Ohio, either because of past driving history or because they are a first-time driver. Rates for this insurance are high, so eligible applicants should use this plan as a last resort.
Try: Learn about the Ohio Automobile Insurance Plan at its website.

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