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Because car accidents have the potential to cause considerable damage, motorists in Ohio are required by law to purchase auto insurance. In order to operate a vehicle in Ohio, you must have at least $25,000 in bodily injury coverage per person, at least $50,000 in bodily injury coverage per accident, and at least $25,000 in property damage coverage per accident. If you opt to purchase only the minimum required coverage, you’ll have a liability-only policy. 

What Does Liability-Only Insurance Cover?

Because Ohio is a “fault” state when it comes to motor-vehicles collisions, those who cause wrecks are responsible for covering the resulting expenses. Since these damages can add up fast, liability insurance is essential. Bodily injury coverage compensates victims for their medical bills and lost wages, while property damage coverage reimburses them for vehicle repairs.

It's important to note that liability coverage doesn't actually apply to the policyholder, though. If the at-fault motorist ends up sustaining injuries or incurring property damage, they will only be compensated if the policy was supplemented with additional insurance, like medical payments and collision coverage. 

What Kinds of Additional Coverage Should I Purchase?

car accidentUnfortunately, just because Ohio requires motorists to purchase insurance doesn't mean everyone does. If you get hurt in a car accident, there’s no guarantee that the at-fault party will have enough—or any—insurance to cover the damages. As such, it's wise to purchase supplemental coverage to protect yourself.

Underinsured or uninsured motorist coverage will cover any losses you incur in a wreck with someone who doesn't have adequate insurance. It should pay out if you’re hurt in a hit-and-run, as well. It’s also advisable to add collision coverage and medical payments coverage to your policy. No one ever plans on causing an accident, but in the event that you do, such coverage will certainly come in handy. 

 

If you get hurt in a car accident through no fault of your own and the insurance adjuster proves to be uncooperative, contact Gregory S. Young Co., L.P.A. Since 1958, this firm has been helping injured, ill, and disabled parties put the pieces of their life back together. With 12 lawyers practicing out of 13 offices, they serve clients throughout Ohio and Kentucky, and their team is available 24/7 to take your call. To learn more about their experience counseling car accident victims, visit their website. To request a free case evaluation, call (513) 721-1077.

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