Ohio car insurance: Collision coverage explained
When planning on driving in the Buckeye state, Ohio, there are a few things drivers need to know before getting behind the wheel – legally required car insurance coverage and recommended coverage by the state.
If you don’t know what these legal requirements are, fear not, as we’re about to explain everything.
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Legally required coverage
To begin, let’s take a look at the legally required coverage needed in Ohio:
Liability coverage is split into two sections of coverage – bodily injury liability coverage and property damage liability damage. Each coverage is designed to help you, financially, if ever you’re involved in a car accident.
The bodily injury liability coverage is there in case you cause injury to someone other than yourself or your passengers, resulting in them needing medical care. This coverage will help to pay any medical bills.
The property damage liability coverage is there in the event you cause damage to another person’s car or personal property. This coverage will help cover the cost of repairing of replacing the damaged property.
The minimum coverage required in Ohio is $25,000/$50,000.
Collision coverage is a coverage designed to help pay any cost of repairs or replacement of your own car, if it’sdamaged in an accident with another vehicle or object.
If you’re technically at fault for the incident, this coverage will kick in and help you get back on the road by helping to pay for any repairs or replacements needed.
Usually, this type of coverage comes with deductibles of $250, $500, $1000 or $2000. You can choose which option you’d prefer.
Of course, this is an optional coverage to add to your policy and isn’t a legal requirement in the state of Ohio.
Comprehensive coverage is also known as an ‘act of god’ coverage, which helps to cover the cost of any damage or in some cases, replacement, of your vehicle if involved in an incident that wasn’t a car accident.
What’s meant by this is – if your car is damaged due to a tree falling on it in a storm, or an animal runs out in front of your car leaving no time to break, or if vandals vandalize or steal your car.
Again, this type of coverage usually comes with deductibles of $250, $500, $1000 or $2000 and is an optional coverage to add to your policy. It isn’t legally required by the state of Ohio.
Now you know what the legal requirement is for car insurance coverage in the state of Ohio, we recommend checking if your policy contains the required coverage before driving into the state.
As a rule of thumb, if you’re planning a road trip across states, we always recommend searching what the legal requirements are for car insurance coverage across the states you wish to drive through.This is so you’re prepared for any eventuality that could occur during your trip, and you won’t be left out of pocket.