Researching and shopping around for car insurance can be a daunting task. Learn about what you need to know and do when getting car insurance.
A: When you go to get car insurance, one of the things you need to remember in Ohio is that full coverage means liability only. Liability insurance is insurance that can be used to compensate someone else if you caused the accident. Right now the state minimum is $12,500 and soon it will increase to $25,000 per person.
However, that is still not enough money to really compensate you if you have serious injuries, especially if you are somebody who has incurred large medical bills or is without health insurance. So when you go to buy your insurance, what you want to do is make sure that you talk to your agent and ask him or her questions about what the different types of coverage mean. You do want liability and you do need it to be legal in Ohio, but you also want uninsured motorist coverage. This is insurance that is used to compensate you if you are in an injury caused by somebody else who does not have insurance or who does not have sufficient insurance. There are minimum amounts that you can buy, like the $25,000 I mentioned. But what you want to do is to keep in mind that for not much more money, you can get a higher amount of insurance, something that will be more sufficient to compensate you if you do get in an accident and lose wages in medical bills and in pain and suffering.