Learning Center
Ohio minimums, SR-22, UM/UIM, comprehensive, collision, and more.
Ohio requires liability (or other FR proof) of at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25). These are legal minimums, not a recommendation.
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No. Ohio is an at-fault (tort) state. The at-fault driver is generally responsible for others' covered injuries and property damage. Ohio does not require PIP.
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No. PIP is not required in Ohio. Optional Med Pay is the more common first-party medical add-on.
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$25k bodily injury per person / $50k per accident / $25k property damage. That is Ohio's minimum liability.
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A certificate your insurer files with the state proving required liability insurance—not a special policy type.
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An SR-22 is a filing tied to an insurance policy. An FR bond is a different way to prove financial responsibility.
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Liability for someone who does not own a car but needs coverage (borrowed cars or SR-22). It usually does not repair the car you drive.
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Collision helps after crashes; comprehensive helps with theft, vandalism, hail, fire, animals, and similar non-crash losses.
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Helps cover the gap between ACV and loan/lease payoff after a total loss.
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UM helps if the at-fault driver is uninsured; UIM helps if they are underinsured for your covered injuries.
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Optional coverage for covered medical bills for you and passengers after a crash, usually without waiting on fault.
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“Full coverage” is informal—usually liability plus comprehensive and collision. Ohio requires liability/FR proof; physical damage is optional unless a lender requires it.
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No. Ohio requires financial responsibility, usually liability insurance.
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You can face suspensions, fees, and other penalties. Keep a current ID card available—existing clients can get an ID card in the SHI Client Center.
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Most policies cover the U.S. and Canada and may raise liability to another state's minimum. Mexico usually needs special coverage.
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Often yes due to higher crash rates. Discounts and vehicle choice can help—ask an agent.
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Usually the vehicle's policy is primary; a driver's policy may be excess when borrowing—subject to each policy.
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Often not fully while the app is on. You may need rideshare endorsements or commercial coverage.
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Optional help paying for a rental while your car is repaired from a covered claim.
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Possibly, especially for at-fault claims. Ask your agent how a specific claim may affect renewal.
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Pays others for covered injuries and property damage when you are at fault, plus defense for covered suits—not your own car.
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Repair/replace your vehicle after a covered crash, minus deductible.
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Non-collision losses like theft, glass, hail, fire, vandalism, animal strikes.
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Depends on value vs premium/deductible—run numbers with an agent.
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What you pay on comprehensive/collision before insurance pays. Liability usually has none.
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Often yes; you pay more out of pocket after a claim.
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There is no special SR-22 policy type—buy required liability and the insurer files the certificate if needed.
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The BMV sets the period based on why it was required.
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Yes—avoiding lapses helps rates and keeps you legal.
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Often difficult; registered owner usually must be on the policy.
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Usually yes; some offer zero-deductible glass options.
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Often limited; renters/homeowners may cover personal effects.
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Generally must meet FR rules on public roads via a motorcycle policy.
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Usually not for off-road use—need specialty coverage.
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Optional towing/flat/lockout help with limits.
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