What is Liability Insurance?
A car crash that results in injuries or property damage to other people is covered by liability insurance. Ohio mandates that all automobiles have liability insurance. The driver must always have proof of liability insurance with them, either in their possession or in the automobile, and be prepared to produce it to the police upon request. Additionally, when renewing their license plates, car owners must provide the Bureau of Motor Vehicles with evidence of insurance.
Driving without insurance is prohibited in Ohio. The penalties include fines, license suspensions, and possibly jail time.
Why is insurance important?
Crashes that cause harm to third parties or property damage are covered by insurance. In Ohio, insurance is a requirement for all vehicles. The motorist is required to display evidence of insurance to law enforcement officials upon request and must carry this documentation with them or keep it in the car. Car owners must also present proof of insurance to the Bureau of Motor Vehicles to renew their license plates.
In Ohio, the insurance provider is required to give policyholders an insurance card that can be shown on the driver’s cellphone or another electronic device. It is acceptable to present the physical insurance card or its digital form.
The repercussions of not having the required insurance include fines, the inability to renew the vehicle registration, the suspension of driving privileges, and the suspension of the vehicle registration. A court case and a fine may result from providing false information to the Bureau of Motor Vehicles to renew a vehicle’s registration.
Minimum liability insurance limits in Ohio:
- $25,000 for injury/death of one person
- $50,000 for injury/death of two or more people
- $10,000 for property damage
How does car liability insurance work with teen drivers?
Parents can speak with their insurance agent for more details on their current policy and teen drivers. Most insurance companies provide young drivers with learner’s licenses with free coverage. Once they acquire their license, the young driver must be insured like every other driver.
One of two options is to add a young driver to an existing policy, or they can purchase their own insurance. A teen driver can usually be added to an insurance policy for a lesser price. Teenagers can still be protected if they drive a car that is covered by their parent’s insurance policy.
How can liability insurance be cheaper?
Search for limited-time offers. Remember that your coverage may be affected by certain reductions. Reduced rates may also be available for anti-theft devices, low mileage vehicles, and “Good Students” discounts (granted to young drivers who maintain a “B” average or higher). Additionally, you can combine your insurance requirements if you can get your carrier to provide you with a lower price.
How do I make my teen a safe driver?
All Star has partnered with Trypscore, which offers an app that rewards good driving behavior with gift cards and contests. The Grand Prize contest winner gets their annual car payments, gas and insurance paid for 1 year! The app runs in the background while tracking your drives and gives you feedback about your driving. Your entire family can join and compete together to be safe drivers! This app is highly recommended for the entire family.
Click on the link below or scan the QR code to know more about the app and become a safe driver.