What You Need to Know about Your Auto Insurance Policy in the State of Ohio
Auto insurance is essential for any driver, as it provides financial protection in the event of an accident or other unforeseen circumstances. While auto insurance requirements vary from state to state, it is important to understand how it differs in Ohio and why it is so important to have coverage.
At Kinder’s Insurance Agency, we specialize in creating insurance policies tailored to your needs. While having car insurance is a requirement, you have some control over what type of coverage you choose. You can even purchase additional coverage for peace of mind. We’re here to explain your options and help you find the best policy.
Auto Insurance in Ohio: What’s Included
In Ohio, all drivers are required to carry a minimum amount of liability insurance. This coverage provides protection for damages and injuries that you may cause to others in an accident. The minimum coverage requirements in Ohio are:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $25,000 for property damage per accident
While these are the minimum requirements, it is important to note that they may not be enough to fully cover the costs of a serious accident. It is a good idea to consider purchasing additional coverage, such as collision or comprehensive insurance, to ensure that you are fully protected.
Comprehensive vs. Collision Coverage in Ohio
Collision insurance covers damages to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive insurance provides protection for non-accident-related damages, such as theft or weather-related damage.
Additional Auto Coverages Ohio Requires
In addition to liability, collision, and comprehensive coverage, Ohio drivers may also be required to carry uninsured and underinsured motorist coverage. This coverage provides protection in the event that you are in an accident with a driver who does not have insurance or who does not have enough insurance to cover the damages.
Ohio also has a unique insurance law known as the "tort" system. This means that in the event of an accident, the at-fault driver and their insurance company are responsible for paying for damages and injuries. This system differs from "no-fault" insurance systems, which require each driver's insurance company to pay for their own damages and injuries regardless of who caused the accident.
We’ll Tailor Your Auto Insurance to Your Needs
Having auto insurance in Ohio is incredibly important, as it provides financial protection for you and other drivers on the road. In addition to being required by law, having insurance can provide peace of mind and protection in the event of an accident. It is important to shop around for insurance quotes and coverage options to ensure that you have the coverage that you need at a price that you can afford.
Your auto insurance should be tailored to your current needs. As your auto insurance agents, we collect all relevant information from you to find you the best policy for your situation. Contact Kinder’s Insurance Agency for a quote today.