In order to be compliant in the state, you need to have certain minimums for both bodily injury and property damage liability. You must have $50,000 per accident for bodily injury and $25,000 per accident for property damage. You are required to show proof of insurance at the request of law enforcement or if you are found guilty of a traffic offense where a court appearance is required.
The minimum coverage is just the minimum, and it still may be wise to consider higher limits and additional coverage. Getting extra coverage can save you a lot of money in the event there is an accident or another disaster. High bodily injury limits can help with the medical bills that rack up quickly if there are severe injuries after a crash. Higher property damage limits will help pay for any property damage.
Property damage isn’t limited to just other cars and can include fences, light poles, and road signs. If you take into consideration other property that can be damaged, minimum limits may not be enough. Uninsured motorist coverage can help you avoid losses that happen after you get into an accident with someone without insurance. Even though there are strict laws for auto insurance in Ohio, people will still drive without coverage.
Collision coverage helps pay for any damages that can occur to your vehicle after an accident. If you are found at fault for an accident, the minimum policy won’t cover your own damages. Comprehensive coverage can cover damage to your car from different situations such as stores or theft. Comprehensive coverage doesn’t include damage from accidents but instead vandalism, animals, and more. Finding the right types of policies should be tailored to your needs. An agent at Best Choice Insurance can help you find the proper coverage. If you have an older car, you may see that you don’t need comprehensive or collision coverage but still want to have uninsured motorist coverage to protect yourself.
Contact Best Choice Insurance to get a quote on auto insurance or try our online rating tool.