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Ohio Car Insurance Laws


Just like the laws in other states, Ohio car insurance laws also apply. These have their variations compared with laws in other states. These laws are imposed to drivers as the main targets. There are the mandatory Ohio car insurance laws that apply as follows:

Step 1

There are the set liabilities for Ohio car insurance that every driver should emulate. The minimum liability insurance must be carried by all Ohio drivers. The minimum amounts are classified as $7,500 for property damage, $12,500 for each person’s bodily injury and $25,000 bodily injury to cater for two or more people. The drivers may also opt for other forms of insurance to prove financial responsibility.

Step 2

The legal alternatives to Ohio car liability insurance are inclusive of some surety bond. This bond is provided by any surety company that is authorized by law. The surety bond goes for $30,000. There is also BMV certificate for government bonds for $30,000 and a BMW bond for at least $60,000 that is secured by real estate equity.

Step 3

Every vehicle in Ohio should be registered and a license or permit as well. When performing these tasks, ohio car insurance laws require one to sign some financial responsibility. This states that the driver will NOT operate a vehicle with no passable coverage.

Step 4

The proof of financial responsibility should be carried all the time when operating a car. Ohio car insurance laws state that every person operating the vehicle must carry the financial responsibility proof. This applies to anyone operating the car even if it belongs to their friend or family.

Step 5

On failure to produce proof of Ohio car insurance coverage, the penalty differs with the offence. For a first time offence, the penalty is simply losing the license for 90 days. The second time offence results to losing the license of a whole year. For the third offence, one loses their license as well as car plates and registration.

Step 6

The third time offence on ohio car insurance is associated with harsh penalties. Other than losing the plates and registration, a driver is supposed to pay for reinstatement fees. These fees range from minimum $75 to maximum $500. One is also obliged to buying special financial responsibility coverage which is a high risk car insurance. This purchase goes for a period of three to five years. One might also lose their vehicle as it can be sold.

Step 7

Ohio car insurance laws extend to rental cars. The same case of operating individual cars applies to these as well. This is in terms of driving with a license and carrying the minimum liability coverage. For uninsured motorists, the relevant coverage is not required in Ohio. Most Ohio insurance companies commend that all drivers carry higher coverage than the minimum requirements.



Laws for Ohio car insurance follow this procedure for every driver. The penalties for not providing insurance coverage proof also differ with the offence. Ohio State simply follows the Tort System that states someone must be found responsible for any accident. This is the person responsible for all damages and injuries caused by the accident.

By SAMUEL MUHIA, published at 02/29/2012
   Rating: 4/5 (11 votes)
Ohio Car Insurance Laws. 4 of 5 based on 11 votes.