Ohio Car Insurance Requirements

Ohio state law requires all motor vehicle drivers to carry Bodily Injury Liability Coverage as well as Property Damage Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $12,5000 per person injured in any one accident and $25,000 for all persons injured in any one accident.

The required minimum coverage for Property Damage is $7,500 for injury to or destruction of property of others in any one accident.

Optional insurance available for purchase may include Uninsured Motorist Coverage as well as Underinsured Motorist Coverage. A mandatory offer of this type of coverage is not required by the State of Ohio. As well, Ohio has no laws which regulate the amount of coverage to be purchased.

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Ohio law requires all drivers to carry Bodily Injury Liability Coverage; Property Damage Liability Coverage; Tort Option Coverage; and Medical Expense/Burial Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $15,000 per person and $30,000 per occurrence.

The required minimum coverage for Property Damage Liability varies. Consumers should consult with their insurance representatives.

Tort Option Coverage in Ohio - Full vs. Limited: Used to determine the policy holders ability initiate a lawsuit for pain and suffering involved in a car accident.

The Ohio also requires $5,000 worth of coverage for Medical Expense Benefits.

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