Is Ohio A No Fault State For Auto Insurance?

When it comes to auto insurance, Ohio residents need to be aware of their state's car insurance laws. Every state has different laws, and some states have no-fault car insurance laws. This means that if you are involved in an accident, your own insurance company will pay for your medical expenses and other costs, regardless of who was at fault. So, is Ohio a no-fault state?

What is No Fault Auto Insurance?

No-fault auto insurance is a type of car insurance policy where an insurance company pays for the medical expenses and other costs of the policyholder regardless of who was at fault for the accident. This type of policy is designed to reduce the number of lawsuits that arise from automobile accidents. In a no-fault state, drivers must carry a minimum level of auto insurance coverage or face fines and penalties.

No Fault Insurance in Ohio

Ohio is not a no-fault state. This means that if you are involved in an accident, you will have to file a claim with the at-fault driver's insurance company. If you are injured in the accident, you will have to file a personal injury claim to be compensated for your medical expenses and other costs. The at-fault driver will be responsible for your damages, and you can sue them if they do not have enough insurance coverage to cover your costs.

Ohio's Car Insurance Requirements

Ohio requires all drivers to have a minimum level of auto insurance coverage. Drivers must carry liability coverage of at least $25,000 per person, $50,000 per accident in bodily injury, and $25,000 per accident in property damage. In addition to liability coverage, drivers must carry uninsured/underinsured motorist coverage of at least $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage.

What If You Are Uninsured?

Ohio requires all drivers to carry auto insurance coverage, and uninsured drivers face stiff penalties if they are caught driving without insurance. If you are caught driving without insurance, you will face a fine of up to $1,000 and your license and registration could be suspended for up to four years. In addition, you could be required to file an SR-22 form with the Ohio Bureau of Motor Vehicles, which will result in higher car insurance premiums.

Conclusion

Ohio is not a no-fault state, so if you are involved in an accident, you will have to file a claim with the at-fault driver's insurance company. All drivers must carry a minimum level of auto insurance coverage, and uninsured drivers face stiff penalties if they are caught driving without insurance. Knowing your state's auto insurance laws is important, and if you have any questions, you should contact your insurance company or an attorney.