No matter where you live in the Buckeye State, you are legally required to carry the state minimum auto insurance to protect you and those around you in the event of a collision.

The minimum car insurance requirement for Ohio drivers is:

  • $25,000 bodily injury per person per accident
  • $50,000 bodily injury for all persons per accident
  • $25,000 property damage liability

Penalties for Failure to Carry Ohio Auto Insurance

Failure to carry state minimum auto insurance in Ohio can result in hefty fines and penalties. A first offense can result in the loss of your driver’s license for 90 days, and 1 year for second offense. After a second offense, your license plates and registration can be revoked and you can be charged reinstatement fees ranging from $75 to $500. In addition, your vehicle can be impounded and sold at auction.

Basic Liability Coverage

If money is tight, you might be tempted to skimp on insurance. Most insurance companies offer Basic Liability Coverage, and while they meet mandatory state minimum auto insurance in Ohio, the minimum required about is often insufficient to cover expensive repairs and ongoing medical bills resulting from a collision. If a claim against you exceeds the value of your insurance coverage, you may find yourself paying out of your own pocket.

Basic Liability Coverage will also not protect you if you get into an accident with an uninsured/underinsured driver, if your car is stolen, vandalized or damaged by fire, hail, rocks or debris.

If you or a loved one has been injured by a person driving with no or inadequate auto insurance, call the trusted Dayton Personal Injury Attorneys, Cowan & Hilgeman, to schedule your FREE consultation – (937) 222-2030.