What type of insurance is required by law in Ohio?

Liability insurance is a legal requirement for all drivers in Ohio. This type of insurance is designed to provide financial protection in the event that you cause an accident that results in injury or property damage to another person. The state mandates a minimum amount of liability coverage to ensure that drivers can cover the costs associated with injuries or damages they may cause to others while operating a vehicle.

By requiring liability insurance, Ohio aims to promote responsible driving and protect victims of car accidents. If a driver does not carry this insurance, they may face penalties such as fines, license suspension, or other legal consequences. Liability insurance differs from other types of coverage, such as comprehensive or collision insurance, which are optional and cover different aspects of vehicle protection. Comprehensive insurance protects against non-collision-related incidents like theft or weather damage, while collision insurance covers damage to your vehicle in accidents. Uninsured motorist insurance offers protection if you're involved in an accident with a driver who has no insurance but is not a legal requirement in the same way liability insurance is.