All drivers in Ohio are required to have auto insurance on their vehicles. State law also makes it illegal for the owner of a vehicle to have someone else drive the vehicle if it is not insured. Proof of suitable auto insurance has to be shown anytime someone asks for it. This may be vehicle inspectors or police officers at accidents or traffic stops. If you don’t have your auto insurance in place, call us at Ruddy Insurance Group in Niles, OH.
Minimum Auto Insurance Requirements
Your auto coverage must meet the mandatory minimum coverage for the injury or death of one person and another amount for the injury or death of more than one person. It also requires a specific minimum of coverage for property damage that is caused by an accident.
Collision insurance is not mandatory in the state of Ohio, but it is an extremely helpful policy type to have. With this coverage, the damage to your own vehicle is covered, not just your liability. If you were in an accident and had severe damage to your vehicle, this saves you from having to pay for everything out of your own pocket.
Auto Insurance in Ohio
If you do not yet have auto coverage, or you want to increase the amount you have, give us a call at Ruddy Insurance Group in Niles, OH. You can make an appointment to talk with an agent about your auto insurance needs. Your agent can specify to you exactly the amounts that the law requires you to have in coverage as well as talk to you about suggested coverage that could make a big difference to your future.