Every state has different rules and regulations relating to car insurance, and in Ohio, you’re required to have liability coverage, for example.
Liability insurance is broken down into two parts: bodily injury liability and property damage liability. Note that both parts apply to damage caused to other people and their vehicles, not to yourself or your own car.
Keep reading to find out more about driving regulations in Ohio.
Liability coverage
Bodily injury liability coverage: If you accidentally injure someone else, who is not a passenger in your car, this type of coverage can help cover their medical bills.
For bodily injury liability coverage, Ohio driver’s limits are written like so: $25,000/$50,000. These numbers reflect that you carry $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total.
Property damage liability coverage: If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace damages.
Comprehensive coverage
This kind of coverage helps to pay for any damages to your car, when an incident wasn’t a car crash. So, if your car was stolen, vandalized or even has severe weather damage, this type of cover can massively help you out.
Collision coverage
This coverage is there to pay for, repair, or replace your car if it is damaged in a covered accident with a vehicle or an object – even if you are the one to cause the damage.
Medical payments coverage
If you get into an accident and anyone in your car is injured, this coverage is there for you – regardless of who’s fault it is.
In the state of Ohio, you have the option to add medical payment coverage to your car insurance policy. This is a great way of making sure you are covered and offers that extra financial stability if you do have medical bills to pay. It covers:
- Ambulance fees
- X-rays, surgeries or prostheses
- Doctor/hospital visits
- Funeral services
- Nursing services
- Health insurance co-pays
Why does all this matter? – A brief history
Did you know that Ohio ranks second for car production in the US? Or, that the world’s first automobile accident happened in the city?
James William Lambert, who invented the first single-cylinder gasoline-powered automobile, was driving and hit a tree root, causing the car to lose control and smash into a post. Fortunately, there were only minor injuries and Lambert went on to patent over six hundred inventions, most of them related to the automobile industry!
However, Ohio isn’t just famous for it’s cars… it is in fact known as ‘the birthplace of aviation’!
The Wright brothers made many prototypes of the airplane—which eventually led to the first successful flight in history—in their bicycle shop on the west side of town. Congress officially ruled in 2003 that Ohio was the birthplace of flight.
With all this in mind, it’s clear why there’s so much to consider when finding the right car insurance policy in Ohio, for you.
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We hope this article has helped you to understand more about Ohio’s driving policies and the different types of insurance on offer. Not only that, but fuel your knowledge on the history of the state and it’s incredible progression to the automobile and aviation industry.