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General Ohio Insurance Guidelines
Ohio currently requires that all drivers be covered under liability insurance or have proof of Financial Responsibility. To comply with financial responsibility requirements, drivers must maintain insurance or get a bond. Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Ohio
Ohio's minimum liability amounts are as follows:
- $25,000 bodily injury per person.
- $50,000 total bodily injury per accident.
- $25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Penalties for Driving Without Insurance
The penalties for driving without insurance in Ohio are:
- First offense, driver loses license for 90 days
- Second offense, driver loses license for 1 year
- Additional offenses, driver loses license for 2 years
- Neglecting to carry proper insurance can carry more consequences including loss of plates and registration, having car impounded or sold, having license revoked, being required to carry "high risk" insurance for up to 5 years, and reinstatement fees from $75 - $500
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Ohio does not require UM/UIM coverage.
Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Ohio is not a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Ohio does not require drivers to purchase PIP insurance.
SR-22 Requirements for Ohio
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Ohio requires an SR-22 filing for driver’s license reinstatement.
Ohio DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Ohio are:
- 3 days to 6 months imprisonment
- 3-day driver intervention program
- 6 days imprisonment if BAC is 0.17% +
- 6 months to 3 years license suspension
- $450 reinstatement fee
- $250 - $1,000 fine
Additional Information on Insurance for Ohio
For more information, please contact Ohio Department of Insurance: 1-614-644-2658 or visit their website at insurance.ohio.gov.
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