We have listed below several valuable sources of information
to help educate you in obtaining car insurance
in Ohio. Included
are links to Ohio DMV and other organizations with helpful
guides on topics such as purchasing auto insurance,
filing
claims and more.
Ohio Car Insurance Laws
Ohio auto insurance laws require motorists to maintain a
liability insurance policy. Liability insurance for Bodily
Injury (BI) pays for injury or death to others when the driver
of your car is at fault in an accident.
The minimum liability
insurance required by Ohio car insurance law is:
• Bodily injury: $12,500 per person; $25,000 per accident;
• Property damage: $7,500 per accident.
The amounts shown above are the required bare minimums.
You'd need a lot more insurance to pay for a bad crash. The
Ohio Insurance Department suggests an amount of:
• Bodily Injury: $100,000 per person/$300,000 per accident;
• Property Damage: $100,000;
• Medical Payment: $5,000.
Medical Payment covers medical bills for you and your passengers
resulting from an accident or when you or family members
are
pedestrians and are hit by a car. When you buy liability
insurance, Ohio car insurance companies may
offer you uninsured/under-insured motorists (UM) coverage.
UM coverage
also pays for injuries
to you and your passengers when the other driver did
not have
enough insurance to pay for your injuries. You cannot
buy more coverage for UM than you have for liability. Ohio
insurance
law does not allow you to protect yourself better than
you protect others.
1970 West Broad Street
Columbus, OH 43223-1101
Phone: 614-752-7500, toll free:1-800-589-8247
http://ohiobmv.com/
The Ohio DMV is responsible for issuing
driver license and registering motor vehicles in the State.
The Online Vehicle
Registration allows you to renew one or more vehicles tags
and/or select and purchase specialty plates offered through
the OH DMV. A section allows you to complete a free title
search for any Ohio vehicles or watercraft. Now you can change
your address and locate Ohio Motor Vehicles branches online.
Information for all driver license services, vehicle registration
and title services are posted online.
Driving students can test their knowledge by taking a sample
driver license test online. A Digest of Ohio Motor Vehicle
Laws is available for downloading. Students can also read
more about the Ohio graduated driver license program and read
the instructions for first license applicants. Read the Ohio
Financial Responsibility Requirements and make sure you are
in compliance before you drive. The Ohio BMV website also
provides a great deal of resources for dealers and salesperson
licensing including getting temporary dealer tags, dealer
associations, odometer fraud, motor show requests, Ohio motor
vehicles laws and rules, and much more.
1980 W. Broad ST.
Columbus, Ohio 43223
www.dot.state.oh.us/Info/divs&offices.asp
The mission of the Ohio Department of Transportation is to
provide a world-class transportation system that links Ohio
to a global economy while preserving the state’s unique
character and enhancing quality of life. Ohio residents can
use this site to download their state maps or locate all the
state’s bridges. Another great aspect of this site is
the ability to view the actual road conditions in real time
through the site’s traffic web cam portal. The web cam
view is a great advantage for commuters because it gives you
a real time look at the actual road conditions.
2100 Stella Court
Columbus, Ohio 43215
(614) 644-2658 – phone
www.ohioinsurance.gov
The mission of the Ohio Department of Insurance is to be
responsive to and safeguard consumer interests through education
and vigilance while promoting a stable and competitive marketplace
among insurance providers. Consumers looking to file a complaint,
can go to this website and download the necessary form. If
there are any question with the download or filling out the
form, a toll free number that you can call is listed below
each complaint form page. The Consumer Publications area provides
a wealth of information and tools for people shopping for
life insurance, health insurance, long term care insurance,
homeowners insurance, title insurance, car insurance, annuities,
Medicare, and more.
The Shopper's Guide to Auto Insurance: informs consumers
about different types of car insurance coverage provided by
auto insurance policies; answers common questions and gives
shopping tips; contains sample company premiums for policies,
based on drivers of various kinds for different Ohio cities;
shows complaint information about auto insurance companies;
and contains a glossary of common definitions for auto insurance
words and phrases.
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