Are you looking for the state minimum liability limits in Cincinnati?  The best place to buy your state minimum liability limits is through an independent insurance agency.

Call 513-662-7000 to receive a quote over the telephone,or click: Ohio state minimum liability limits to receive great prices on state minimum liability limits online.

The Law-Automobile Insurance in Ohio

In the state of Ohio, it is illegal to drive any motor vehicle without insurance or other proof of financial responsibility.  It is also illegal for any motor vehicle owner to allow anyone else to drive the owners be able without sufficient proof of insurance.

What Are the Minimum Limits of Automobile Liability Insurance for Ohio?

In the state of Ohio the mandatory minimum limits for Bodily Injury Liability Coverage are $25,000 per person injured in any one accident and $50,000 for all those persons injured in any one accident.

The specified minimum limits for Property Damage Liability Coverage is $25,000 for damage or destruction of property of others in any one accident.

Are the Ohio State Minimum Automobile Liability Limits Sufficient?

In the event of a very minor accident where there are no injuries and very little property damage, the State of Ohio minimum automobile liability limits may be sufficient.

If the damage you cause exceeds your policy limits on your automobile insurance policy in Ohio, you would be responsible for the difference. 

If you are a parent of minor children you would be responsible for any damage or injuries they cause.  Additionally if you allow someone to borrow your automobile and they cause an accident resulting in property damage or injury, depending upon the circumstances you could also be held liable, this is better known as vicarious liability.

What Happens When I Cross State Lines and Insurance Laws Are Different?

Great question.  For instance if you travel to the neighboring state of Pennsylvania, you should be aware that Pennsylvania requires lower limits of car insurance compared to the state of Ohio.

Pennsylvania state law only requires $15,000 per person and $30,000 per accident for bodily injury while property damage is limited to $5,000.

If you were currently covered by your Ohio car insurance policy at $25,000 per person $50,000 per occurrence and $25,000 of property damage these coverage would remain the same despite Pennsylvania’s lower limits.

But if you were traveling from Pennsylvania to Ohio your Pennsylvania limits would be automatically increased to meet the Ohio state minimum liability limits as soon as you crossed the state line into Ohio.

If you are planning to move to Pennsylvania and need new insurance, especially if you are shopping for auto insurance in Philadelphia, visit the website of our good friends at Humphries Insurance: http://www.autoinsurancephiladelphia.co/

Examine Your Liability Insurance Needs Carefully!

Each new client of our agency will receive a special report titled: How much liability insurance is enough?  It’s vitally important that you examine your liability insurance needs otherwise a catastrophic accident that you are found to be responsible for could ruin you financially.

Click here to learn more about the various coverage parts of the personal automobile insurance policy.

If You Need Automobile Insurance in Ohio Call 513-662-7000, Or Use Our Online Insurance Imperative Ratings System by Clicking Here.

Damage to Your Auto Coverage (“Full coverage”)

Insurance companies do not use the term “full coverage” in the Cincinnati automobile insurance contract. The likely reason for this is because a misunderstanding could develop on what “full coverage” provides.

Please note the definition for damage to your auto coverage with one insurance carrier:

We will pay for direct and accidental loss to your covered auto or any non-owned auto, including its equipment, minus any applicable deductible shown in the Declarations. We will pay for loss to your covered auto caused by:

1. Other than collision only if the Declarations indicate that Other Than Collision Coverage is provided for that auto.

2. Collision only if the Declarations indicate that Collision Coverage is provided for that auto.

How Does Full Coverage Insurance Benefit You?

Simply put full coverage insurance will help you to repair the damage to your vehicle, or provide a loss settlement to you in the event the vehicle is totaled. Here’s the bad news on loss settlements.

Insurance companies only settle losses based on the actual cash value of the vehicle. In other words what is the vehicle worth? Everyone is aware that depreciation greatly affects the value of your vehicles. When the vehicle is damaged or destroyed your insurance company is only obligated to pay what it is worth, the actual cash value of the vehicle.

There Are Two Separate Coverage Parts on Full Coverage

Comprehensive– (sometimes referred to as Other Than Collision Coverage) Provides protection to that individually listed vehicle for vandalism, theft of the vehicle, glass damage, collision with an animal, (like you running into a deer or some other animal including birds) hail, water, or flood damage, fire, explosions, earthquake, or falling objects.

Collision-Provides protection for the individually listed vehicle for anything that you “collide” with, such as another vehicle, telephone pole, wall, or even debris in the road.

Here’s a Common Misunderstanding about Automobile Insurance in Cincinnati When You Have “Full Coverage.”

• Full coverage does not provide car rental, towing and labor, loan or lease gap coverage, or coverage for personal effects in your automobile if they are damaged.

Car rental, towing and labor, loan or lease gap coverage are optional coverage that you must add by endorsement to the policy.

Looking for the Better Rates on Insurance in Cincinnati? Call 513-662-7000