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Ohio law requires all drivers to carry minimum levels of liability car insurance coverage, including: $25,000 per person in bodily injury liability $50,000 per accident in bodily injury liability
Minimum BI limits are 10/20 if you do purchase coverage. Drivers who have caused an accident involving bodily injury or death or received certain citations may be required to carry BI limits of 10/20.
The average cost of car insurance in Ohio is $1,498 per year for full coverage and $399 per year for minimum coverage. Ohio drivers pay some of the cheapest car insurance premiums throughout the ...
The term full coverage is actually a misnomer because, even within traditional "full coverage" insurance, there are many different types of coverage, and many optional amounts of each. "Full coverage" is a layman's misnomer that often results in drivers and vehicle owners being woefully underinsured.
An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause.
The state DMV point system may be different from the insurance companies' point system. [4] Several states in the U.S. have such assigned risk systems. [5] New York is a typical system. [6] The MVAIC, or Motor Vehicle Accident Indemnity Company, may assign high-risk drivers, and pays for victims of uninsured or underinsured motorists. [7]
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