Insurance Coverage for Motor Vehicles

Your auto insurance coverage is supposed to protect you from the costs of an accident. Our Ohio car accident lawyers recommend that all of our clients review their auto insurance policies so they know what kind of coverage they have.

Your Coverage

There are a variety of types of auto insurance coverage, which may include:

• Liability Insurance
  Coverage that helps cover the cost of injuries and property damage to third-parties—not yourself
• Personal Injury Protection (PIP)
  A type of medical payments coverage, which helps pay for the cost of medical care—for you, family living in your home, and drivers authorized to drive your car—that results from your accident.
• Physical Damage Insurance
  Coverage designed to protect your vehicle, whether it is moving or parked.
• Underinsured Motorist Protection
  Money you get from your own insurance company to cover your medical costs that are not covered by the other person’s policy.
• Uninsured Motorist Protection
  Coverage from your own insurance company that is used if the person at-fault in an auto accident has no insurance.

Requirements and Minimums

In the state of Ohio, it is illegal to drive a car without insurance or proof of financial responsibility (FR). Drivers who purchase auto insurance must also have minimum liability coverage.

• Bodily Injury Liability Coverage
  You must carry a minimum of:
  $12,500 per person injured in any one accident and
  $25,000 for all persons injured in any one accident.

• Property Damage Liability Coverage
  You must carry a minimum of:
  $7,500 for injury to or destruction of property of others in any one accident.

Remember, these are the minimum requirements. If you don’t have enough coverage, you may be responsible for additional costs. An auto accident attorney from Nurenberg Paris can help you navigate your insurance coverage. Call us today at (800) 562-7438 or complete a free initial consultation form.