What coverage must Ohio auto insurance policies include?

In Ohio, all auto insurance policies are required to include liability coverage. This is a fundamental component of auto insurance that protects the policyholder against financial loss in the event that they are found responsible for causing injury or damage to another person or their property while operating a vehicle. Liability coverage ensures that victims of accidents can receive compensation for their injuries or property damage.

The minimum limits for liability coverage in Ohio are established by state law, which mandates that drivers carry a minimum amount to guarantee that they can meet their financial obligations resulting from an accident. This requirement serves to protect not only the insured drivers but also other road users, promoting responsible driving practices and financial accountability.

While options like uninsured motorist coverage and comprehensive coverage are important and beneficial to have, they are not mandatory under state law. Collision coverage, similarly, is optional and pertains specifically to damages to the insured vehicle itself. Therefore, liability coverage is the correct and essential component that all Ohio auto insurance policies must include.