Know the Insurance Requirements in Columbus?

Answer 1

If you live in or around Columbus, Ohio, and you own a vehicle, you will need to purchase auto insurance coverage before you can legally drive your car. Ohio law requires that all drivers purchase car insurance. When you register your vehicle in vehicle in Columbus, you will have to sign a form certifying that you meet Ohio financial responsibility requirements. You must also provide proof of auto insurance to a law enforcement officer upon request.

Ohio also mails letters to random drivers throughout the year, requesting proof of coverage. If you receive a request letter, and you do not carry at least the required coverages, your driver's license will be suspended. You will also have to pay reinstatement fees in order to have your driving privileges restored.

Liability Coverage in Columbus

Liability coverage, which provides other drivers and passengers protection if you cause a motor vehicle accident, is required in Columbus.

In order to meet Ohio auto insurance requirements, you must purchase at least $7,500 in liability coverage to pay for repairs to property you damage. You must also purchase at least $25,000 to pay for medical expenses you cause in an accident. This portion of your liability coverage must pay up to at least $12,500 for any one person's injuries, subject to the $25,000 aggregate limit.

Uninsured Motorist Coverage

Insurance companies in Columbus must offer uninsured motorist coverage with the same minimum limits as are required for bodily injury liability coverage. This coverage pays for your injuries if you are struck by a hit-and-run or uninsured driver.

You are not required to buy uninsured motorist coverage; however, if you choose not to purchase this coverage, you will have to sign a form stating that the insurance carrier made this coverage available to you, and that you do not want uninsured motorist coverage. Otherwise, the carrier must add it to your policy.

As a Columbus driver, you may want to purchase additional coverages, as well as higher limits for required coverages. This can give you additional protection if you are involved in an accident.