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Smucker Insurance Agency, Inc.

154 North Chillicothe Street
Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

Required Auto Insurance in Ohio

Like other states, Ohio has its own requirements for its residents’ auto insurance. And, it requires you to prove that you have a current insurance policy that meets the state regulations. If you aren’t sure that you have enough auto insurance or you need to start a new policy, call us at Smucker Insurance Agency Inc. in Plain City, OH to speak with an agent about your coverage. 

Bodily Injury Requirements

Bodily injury liability insurance coverage is required by Ohio. The state has a specific minimum amount of this insurance that you must carry, though many people get a higher amount to make sure that they will be able to pay if there is a serious accident. This type of coverage helps with some of the expenses you will have when you are at fault for an accident, including the medical bills of the other party. There is a minimum amount of coverage set for when one person is injured and another when two or more people are injured.

Property Damage Requirement

Coverage for property damage is also required by the state. This coverage pays for property damage that you do to another person’s vehicle in an accident that you are responsible for. It can also cover property damage to a building if your vehicle were to hit one. Like the bodily injury coverage, the Ohio minimums are relatively low, and many people choose to get more coverage so that they won’t owe out of pocket if they hit an expensive car. 

Get Your Auto Insurance

The required minimum coverage amounts are the bare minimum to stay legal in Ohio, but it’s common for people to raise those amounts as well as to get optional types of coverage so that their own vehicle’s damage is covered. If you need auto coverage, give us a call at Smucker Insurance Agency Inc. in Plain City, OH, and make an appointment to talk to an agent.