In the state of Ohio, all auto owners are subject to the same federal mandate for auto insurance as other states. They must acquire no less than auto liability coverage to maintain compliance. Local Car Insurance Companies present the owners with a variety of auto insurance policies to meet their requirements and mitigate common risks.
The Standard Minimum
Currently, the standard minimum for auto liability in Ohio is $25,000 for the first injuries sustained in an accident. The policy offers a maximum of $50,000 for the overall injuries that happened in the accident. The owner must also have $25,000 worth of property damage coverage through their policy.
If the Driver Doesn’t Have Coverage
If the driver is stopped by law enforcement, they must show proof of auto insurance coverage. If they don’t have coverage, they are subject to penalties through the state. This includes suspension of their driver’s license and auto registration. They receive a fine of no more than $500 for the first offense. If they have a record of non-compliance, the driver could be subject to an arrest and spend up to one year in county lockup.
Random Selection and Assessment
The Department of Motor Vehicles conducts a random selection and assessment process. Their computer system checks auto insurance coverage at random and determines if the driver has valid coverage. If they don’t, the computer generates a form for the owner to complete and return with valid coverage. They have a period of thirty days to update their coverage.
Discounts and Opportunities
Auto owners can acquire discounts based on their driving records. They can also acquire a discount when they have multiple automobiles added to the policy. For teen drivers, the discounts are available when they complete defensive driving programs or maintain a higher than average GPA.
In the state of Ohio, all drivers must comply with federal laws pertaining to auto liability coverage. Any driver who is caught without coverage is subject to hefty fines and could lose their driver’s license. Automobile owners who need more information about necessary policies can contact Car Insurance Companies for details or visit now.
