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If you drive a vehicle in Ohio, the Bureau of Motor Vehicles requires certain car insurance obligations. Not having the proper coverage could result in costly fines and the suspension of a driver’s license. Somers Agency continues to be the area’s premier provider of comprehensive policies for residents throughout Lorain County. You’re guaranteed to get affordable coverage while adhering to the state’s insurance mandates.

Ohio residents are required to have the following car insurance obligations:

Liability Insurance

At the minimum, drivers must have liability insurance, which covers the costs of damages and bodily injuries caused by the driver in a vehicle accident. For property damage, the minimum amount required is $25,000. For injuries or death, the car insurance minimum is $25,000 per person and $50,000 for two or more people involved in one accident.

Proof of Insurance

car insuranceRegistered vehicle owners in Ohio are also required to carry proof of car insurance. The documentation must be presented to an officer who requests it during traffic stops as well as after a car accident. The state also requires drivers to provide proof if they are randomly selected by the Bureau of Motor Vehicles (BMV). In this case, the BMV randomly contacts 5% of registered car owners to submit proof 21 days from the date of the letter’s request.

Optional Coverage

Ohio drivers are only required to purchase liability car insurance; however, the vehicle’s lender or lessor may require comprehensive and collision coverage too. A comprehensive policy covers the expenses related to non-accident related damage, such as vandalism, theft, and natural disasters. Collision coverage pays for most accident-related damages.

Driving without the proper car insurance in Ohio is too risky and dangerous. In addition to having to pay penalties and facing driver license suspensions, drivers can be sued by others to recoup costs for property damage and bodily injuries.

To learn more about securing the right type of coverage, call Somers Agency today at (440) 324-3447 for free, no-obligation car insurance quotes. A friendly and knowledgeable agent will gladly help get you a budget-friendly policy that provides customized protection. Visit the website for extensive information on other insurance plans to protect you, your loved ones, home, and business.

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