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Ohio Passes Law to Protect Drivers with Increase on Minimum Insurance Coverage

There is good news to report for Ohio drivers. The General Assembly recently passed House Bill 278, which will increase the state's minimum-required liability limits for automobile insurance. This is an important step towards protecting Ohio motorists, as it nearly doubles the minimum coverage required by insured drivers in Ohio. This will be the first time Ohio has raised minimum auto insurance since 1969 and will bring our state in line with other states minimum limits.

Currently, the minimum limits for car insurance are $12,500 per person and $25,000 per accident in liability coverage and $7,500 for property damage. The new limits will be $25,000 per person and $50,000 per accident and $25,000 for property damage.

The increase is expected to cost the average consumer an additional $2-$3 a month and will benefit everyone.

Here's how...

  • Those choosing to carry the minimum-coverage amounts will have better protection from personal financial exposure
  • Those who carry auto insurance with higher limits will be better equipped to recover the necessary funds to pay for personal injuries, medical bills, lost wages and other damages caused by a minimally insured driver. This should result in fewer claims by well-insured drivers against their own company for underinsured motorist (UIM) coverage.
  • The newly passed bill better recognizes the increasing costs in today's world, including cost of medical bills and car repairs and helps to protect Ohio's responsible drivers.

The Columbus personal injury attorneys at Rourke and Blumenthal are glad to see this piece of legislation pass as the existing minimum coverage falls short of covering the damages caused by even minor vehicle accidents and leaves Ohio drivers financially vulnerable.