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Uninsured/Underinsured Motorist Coverage:
Some, not all states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.
The State of Ohio does not currently require this coverage.
Ohio is a not a no-fault state, so no-fault insurance is not required.
Personal Injury Protection (PIP)
PIP is part of a car insurance available in some states that covers medical expenses and if selected also covers lost wages and other damage.
The State of Ohio current does not require drivers to carry PIP insurance.
Ohio SR-22 Requirements
SR-22 is a document that is required to be filed with a state’s DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance.
Ohio currently requires an SR-22 filing to reinstate a driver’s license.
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Ohio Minimum Liability Coverage. Personal Auto
Liability coverage is required by law in the State of Ohio. The minimum liability amounts for the State of Ohio are as follows:
- •$25,000 bodily injury per person.
- •$50,000 total bodily injury per accident.
- •$25,00 total property damage per accident.
For additional information, you can contact the Ohio Department of Insurance at (614) 644-2658 or go to their website at www.insurance.ohio.gov.