Ohio Laws

Car insurance in the state of Ohio is mandatory in all states and is required at the time of registering your vehicle at the Department of Motor Vehicles. The minimum liability coverage in Ohio is $12,500 for injury or death of one person and $25,000 for injury or death of more than one person. The minimum property damage coverage is $7,500.
Ohio follows a Tort system. This means that the state of Ohio does not require its drivers to purchase Personal Injury Protection (PIP) coverage nor Uninsured/Underinsured Motorist coverage (UN/UIM).
The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 2 years of the car accident, and a property damage claim within 2 years.
Ohio adopts a proportional comparative fault at 51 percent. This means that the party which is 51% or more responsible for causing the accident is not eligible to file the claim for damage.

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