If you don’t have vehicle insurance, you can’t drive in Ohio!
Statistics show that in 2012, 12.6% of all drivers in the U.S. were without insurance.
A study by the Insurance Research Council estimates that one out of every eight drivers in the United States may be driving uninsured.
People give many excuses for not maintaining a valid insurance policy on their vehicle. Some use the excuse that they cannot afford car insurance, while others will say they forgot about it. Some even argue that they do not need car insurance.
There are legal and personal consequences for neglecting this responsibility.
- First Offense: License is revoked until all requirements are met and must pay a $100 reinstatement fee
- Second Offense: License is revoked for one year and must pay a $300 reinstatement fee
- Third Offense (and additional): License is revoked for two years and must pay a $600 reinstatement fee
Some states will even arrest an uninsured motorist. If you cause an accident, you are personally liable for injuries and damage to others, not to mention your own medical and car repair bills.
INSURANCE REQUIRED IN OHIO
In Ohio, the required minimum for Bodily Injury Liability Coverage is $25,000 per person in any one accident and $50,000 for all persons in any one accident. The minimum for Property Damage Liability Coverage is $25,000 for injury of property in any one accident.