Ohio Car Insurance Questions Answered

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Do I need to have car insurance in Ohio?

Yes. Ohio law requires every driver to have a certain minimum amount of car insurance.  Private vehicles are insured by the owner, company vehicles are insured by a company and government vehicles are insured by a government entity.

Every Ohio resident  driving Ohio roads must have insurance. Driving an uninsured vehicle is against the law in Ohio and there are penalties.

What is the penalty for not having car insurance in Ohio?

In Ohio, the current penalty for failing to have car insurance, on the first offense, is temporary revocation of driver’s license and required payment of a $100 reinstatement fee whenever proper car insurance coverage is obtained.

If you’re involved in a car accident without required insurance coverage your license could be suspended for multiple years, potentially until damages are satisfied.

What does car insurance cover?

Car insurance covers costs related to injuries to person and damage to property.

The medical expenses incurred by someone injured in a car accident, that was caused by someone else, should be paid by the responsible party’s insurance company.

Fees paid to repair damage to a vehicle following a car accident, should also be covered by the responsible party’s car insurance.

I was injured in a car accident and the insurance company wants me to sign a document, should I do it?

No! Never sign anything given to you by an insurance company until you consult an experienced personal injury attorney.

Signing documents could forfeit your claim to damages. Insurance companies aren’t usually focused on doing what’s best for an injured person, they often do what’s best for them. Talk to a personal injury attorney BEFORE you sign anything.

I was in a car accident and the insurance company called and offered to send a check to cover damages, should I take it?

No! Never accept money from an insurance company without first finding out the actual cost of damages. An insurance company’s estimate isn’t always accurate.

If you are involved in an accident that was caused by someone else, contact us for a free consultation. We’re here to help!

Contact our offices for a free consultation. Mike will personally evaluate your case and make recommendations.[/vc_column_text][/vc_column][/vc_row]