Ohio Auto Insurance - (OH)

Auto liability insurance is the law in the state of Ohio - required for all vehicles and imposing stiff penalties and fines for those who fail to carry it or show proof of it when required. Proof of fiscal responsibility (FR) must be shown to a state trooper or police officer upon demand, after an accident that does more than $400 in damage or bodily injury or death to anyone, or if they receive a traffic violation.

Ohio State Minimum Requirements

• All vehicles must maintain proof of FR for as long as it is registered to be driven in the state

Proof of FR can be provided by either:

• A motorist liability insurance policy which provides coverage for at least $12,500 for bodily injury or death to 1 person, $25,000 for bodily injury liability or death to 2 people, and $7,500 for damage liability to the property of others in any one accident
• A $30,000 bond of insurance on file with the state of Ohio issued by a surety or insurance company
• A certificate of bond issued by the BMW in the amount of $30,000 and signed by 2 individuals who have real estate with equity valued at a minimum of $60,000
• Proof of this coverage may be required during regular random checks made by the BMW on a yearly basis

Penalties for Failure to Comply

If you fail to provide proof of FR, you may be subject to the following penalties by the state of Ohio:

• License plate and vehicle registration suspension
• Loss of driving privileges for up to 2 years
• Stiff fees and penalties for renewal of license plate and driver’s license up to $500 depending on the number of violations
• Being required to file an SR-22 with your insurance company (which will substantially increase your rates) and keep that on file with the state for 3 to 5 years.
• Vehicle impound and confiscation of license plates for up to 60 days if you violate a suspension. Subsequent offenses could result in your vehicle being taken from you and not being allowed to register another vehicle in the state for up to 5 years.

As you can see, it doesn’t pay to drive without minimal liability insurance in the state of Ohio. The penalties can be severe and cost you significant damages that will easily wipe out any savings you may get from not paying for the insurance in the first place.

Department Of Ohio (OH) State Government That Regulates Car Insurance Quotes:
Web Site: http://www.insurance.ohio.gov/Pages/default.aspx

How To Contact Directly:
The Ohio Department of Insurance
2100 Stella Court
Columbus, Ohio 43215-1067
Phone: 1-614-644-2658

Consumer Information:
Phone: 1-800-686-1526

Ohio (OH) Mandatory Auto Insurance Minimums

• Liability: 12.5/25/7.5 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory car insurance: First Offense = Suspension of License for
  Ninety Days Plus Reinstatement Fee of $75

How To File A Complaint About An Insurer:

Consumer Complaint Form — Main Page

Or contact:
Consumer Services toll free at 1-800-686-1526