Ohio drivers must have certain legally required insurance policies before taking the road. Appropriate insurance shields you from financial loss in an auto accident by paying for medical bills and property damage.

Learn more about the necessary coverage as well as optional policies that provide enhanced protection.

Required liability insurance

Under state law, drivers must hold liability insurance that covers their fault for another person’s property damage, injury and/or wrongful death in an accident. Required minimums for this type of insurance are:

  • $25,000 for property damage
  • $25,000 for the injury or death of one individual
  • $50,000 for the injury or death of two individuals

If an injury occurs that exceeds these limits, the injured party can sue the at-fault driver for additional costs beyond the insurance settlement.

Uninsured/underinsured motorist

When you get in an accident with a person who does not have insurance or has a limited policy, an uninsured or underinsured motorist policy covers your remaining costs. You can receive coverage for both bodily injury and property damage under this type of policy.

Collision coverage

This type of policy covers all damage to your vehicle in a collision with either an object or another vehicle. You will have to pay a deductible depending on the terms of your coverage.

Comprehensive coverage

A comprehensive policy pays for damage to your vehicle that did not occur in a collision. Examples include loss resulting from theft, fire, natural disasters and vandalism.

Auto insurance provides a safety net for costs that occur from an auto accident. However, Ohio uses the fault standard in auto insurance law. This means that drivers who have medical bills and auto repair expenses from an accident another driver caused can pursue coverage from either party’s insurance company by filing a claim. They can also decide to file a personal injury lawsuit to recover damages, which may occur if the insurance company offers a settlement that does not cover the full cost of the accident.