Ohio Car Insurance

Ohio Car Insurance

When driving on any public roads in Ohio, you must be able to show proof of liability car insurance or financial responsibility if it were ever asked by a law enforcement officer. When you are searching for car insurance you must carry at least the following minimal amounts to be legal to drive in Ohio; $12,500 for for bodily injury (per person), $25,000 for bodily injury for two or more people, $7,500 for property damage. Please keep in mind that these are the bare minimum requirements, many people and car insurance agents recommend carrying more car insurance than the least amount. If you were to cause an accident, these minimums would be depleted quick, and you will still be responsible for paying for the other parties medical bills, car repairs, and anything else that may arise.
You will also be required to show proof of car insurance any time you are pulled over by a law enforcement officer, you are given a ticket, inspection of your vehicle, court appearances for traffic violations, random spot checks, and any other time you are asked for your proof of car insurance. If for some reason you do not have to purchase Ohio car insurance, because you are going to take the responsibility and purchase a financial responsibility certificate showing you are responsible for payment if you were to cause an accident. There are certain way to go about getting the financial responsibility certificate (FR), you can make a deposit to the state of Ohio for at least $30,000, you can an equity of real estate that is worth at least $60,000, money or government bonds that total at least $30,000, or a certificate of FR given by an authorized insurance agent from the Bureau of motor vehicles. To learn more about car insurance laws and requirements in Ohio, please contact an agent toll free at 866-526-9669. To start obtaining quotes you can fill out the online quote form.