Bodily Injury Requirements in Ohio
Bodily injury liability coverage is a requirement in Ohio when obtaining car insurance. This coverage helps pay for the other driver's medical expenses when you're at fault for an accident.
In Ohio, you must have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability. Often, insureds opt for higher limits to fully protect themselves.
Property Damage Requirements in Ohio
You'll be responsible for carrying property damage liability in Ohio as well. This coverage helps pay for damage to another party's property when you're at-fault for an auto loss.
You'll be mandated to carry the Ohio minimum limit of $25,000 in property damage liability. With the cost of vehicles rising, you may want to consider more protection to avoid any out-of-pocket expenses.
Medical Payments Coverage Requirements in Ohio
In some states, you'll be required to carry personal injury protection, or PIP, under your auto policy. PIP helps pay for your medical bills when you're responsible for an accident and sustain injuries.
In Ohio, PIP insurance is not mandatory. However, you may want to consider medical payments coverage which provides similar coverage. Without medical payments coverage, you'll be on the hook for the expense out-of-pocket.
Uninsured Motorist Coverage in Ohio
Uninsured motorist coverage is not required in Ohio, although some other states do require it. Even though it's not mandatory, it can be very useful to have.
Currently, Ohio has 12.4% of its drivers without any auto insurance. Uninsured motorist coverage can help pay for damage or injuries you sustain as a result of an uninsured at-fault driver collision.
Optional Car Coverage in Ohio
Collision insurance and comprehensive insurance are often collectively referred to as "full coverage" under your auto policy. These coverages help pay for any damage to your personal vehicles when involved in a collision in which you're at fault.
You'll have several optional coverages you can add to your car insurance for a more robust policy. Consult with an independent agent to review your limits and coverage offerings in Ohio.
Car Insurance Discounts to Consider in Ohio
In Ohio, you may qualify for car insurance discounts to save you some money on your premium. To cut costs easily, multiple policies with the same carrier can reduce premiums by 30% or more.
Likewise, an association discount could be available when you're a part of a teachers union, attorney group, or government agency. Another way to lower expenses is by being loyal to one insurance company for an extended period of time.
How to File a Car Insurance Claim in Ohio
If you get into a car accident, reporting a claim can be difficult. To make it easy, take a look at these simple steps when filing a car insurance claim in Ohio.
First, ensure you're in a safe place and a medical professional tends to any injuries immediately. Second, call your independent insurance agent to file the loss and obtain a claims number. Third, get a rental vehicle if necessary and when your policy allows for it. Finally, connect with your adjuster for payment of the claim.