Lardiere McNair DiNicola & Stonebrook Ltd
Auto Accident Insurance Coverage Limits in Ohio: What You Need to Know
Chad Stonebrook
July 27, 2023

Auto accidents can result in significant property damage and bodily injuries, leading to various expenses and financial burdens. Understanding the insurance coverage limits in Ohio is crucial for drivers to protect themselves and ensure adequate compensation in the event of an accident. Below is an overview of auto accident insurance coverage limits in Ohio, helping you navigate the complexities of insurance policies and make informed decisions.

1.     Mandatory Minimum Coverage: Ohio law requires drivers to carry a minimum amount of auto insurance coverage to legally operate a vehicle. The minimum coverage includes:

a. Bodily Injury Liability: $25,000 per person injured in an accident, up to $50,000 per accident for all persons involved. 

b. Property Damage Liability: $25,000 per accident.

These minimum coverage limits ensure that drivers have a basic level of financial responsibility to cover damages and injuries they may cause to others in an accident.

2.     Optional Coverage: While the mandatory minimum coverage provides a basic level of protection, it may not be sufficient to cover all potential expenses in the event of a significant accident. Drivers have the option to purchase additional coverage to enhance their protection. Some common optional coverage types include:

a. Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you are involved in an accident with a driver who does not have insurance or lacks sufficient coverage to compensate for your injuries or property damage.

b. Collision Coverage: This coverage pays for damages to your vehicle caused by a collision, regardless of who is at fault.

c. Comprehensive Coverage: Comprehensive coverage provides protection against damages to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.

d. Medical Payments Coverage: This coverage helps pay for medical expenses resulting from an accident, regardless of who is at fault.

3.     Importance of Adequate Coverage: While it may be tempting to opt for the minimum coverage limits to save on premiums, it is essential to consider the potential financial consequences of an accident. Medical expenses, property damage, and liability claims can quickly exceed the minimum coverage limits, leaving you responsible for the remaining costs. Assess your personal circumstances, including your assets, income, and potential risks, to determine the appropriate level of coverage for your needs.

4.     Umbrella Policies: For individuals seeking additional protection beyond standard auto insurance coverage, umbrella policies can be an option. Umbrella insurance provides coverage that goes beyond the limits of your auto insurance policy and can offer an extra layer of financial protection in case of severe accidents or liability claims.

5.     Consult with an Insurance Professional: Navigating the complexities of auto insurance coverage can be overwhelming. Consulting with an experienced insurance professional can help you understand the available options, assess your risk factors, and determine the most suitable coverage limits for your specific needs.

6.     Periodic Policy Reviews: As your circumstances change over time, it is important to review your insurance policy periodically. Life events such as purchasing a new vehicle, moving, or significant changes in income may require adjustments to your coverage limits to ensure adequate protection.


Understanding auto accident insurance coverage limits in Ohio is essential for drivers to protect themselves financially in the event of an accident. While Ohio mandates minimum coverage, it is crucial to assess your individual circumstances and consider additional coverage options to adequately protect yourself and your assets. Consult with insurance professionals, review your policy regularly, and make informed decisions to ensure you have the right coverage for your specific needs.

The information presented here has been prepared by Lardiere McNair for promotional and informational purposes only and should not be considered legal advice.  This information is not intended to provide, and receipt of it does not constitute, legal advice.  Nor does the receipt of this material create an attorney/client relationship.  An attorney client relationship is not established until such time as Lardiere McNair enters in to a written engagement agreement with a specific client for a specific legal matter.

Disclaimer: Artificial intelligence is used as a tool to supplement, enhance, make suggestions, and generate blog language from the thoughts, ideas, and opinions of our human lawyers.  The final product is reviewed and edited by an attorney.  

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