925 N. State Street, Suite 200
Westerville, OH 43082
Ohio requires proof of financial responsibility for people who drive cars in the state. For most people that means getting car insurance, but you can post a bond instead. The professionals at Associated Insurance Agencies, Inc. in Westerville, OH, or one of our other six locations, can help you sort that out and find the best policy for your individual situation.
Basic liability coverage is required, and you must have proof of coverage or evidence of financial responsibility on you when driving your car. Ohio also requires spot checks randomly through the mail to make sure people have what is required.
You must have at least $25,000 for injuries or death per person, and $50,000 for two people or more in any single accident. Ohio also requires $25,000 in property damage liability coverage. That is the bare minimum. If that is all the coverage you have, and you cause more than that in an accident, you will still be responsible for that debt. If you have $25,000 in coverage and cause $100,000 in damage, you will still be responsible for $75.000, and you could lose all your property in that situation.
For this reason, most people carry more than the minimum. The point of insurance is to cover damage you cause and to protect your assets. There are also other coverages options such as collision, comprehensive, uninsured motorist, and towing and labor. If you have a newer car or have a loan on your vehicle, you may have to acquire more than just liability coverage. Also in Ohio, the insurance goes with the car, meaning anyone driving your vehicle is covered under your policy.
Call us or stop by the offices of Associated Insurance Agencies, Inc. in Westerville, OH, or one of our other six locations, to make sure you have a policy that will fit your needs. Current customers are also encouraged to stop by and update their policy on an annual basis.