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Minimum Coverage Requirements for Your Auto Insurance Policy

Depending on the state in which you live, you will be facing a variety of auto insurance requirements. The trick with these minimum car insurance requirements is that they will differ from one state to the next. Understanding the minimums in your state, whether you live in Wooster, OH, or elsewhere, can be helpful as you begin to shop with the Tri C Insurance Group for an auto insurance policy.

Liability Limits and Why Minimums Exist

Why is it that there are minimums that exist when it comes to auto insurance? States want to be sure that the victim of the accident is taken care of when an accident occurs. The goal with an insurance policy is to indemnify someone or make them whole again. The minimum limits help to ensure that this happens following an accident, no matter who is at fault.

Minimum Requirements in Ohio

If you live in Wooster, OH, there are minimum auto insurance limits set for bodily injure on a per person and per accident basis. On top of that, there is a property damage liability per accident as well.

For bodily injury in Ohio, the minimum is that your auto insurance policy carries a $25,000 bodily injury liability per person limit, with it being $50,000 per accident. The liability minimum for property damage per accident is $25,000. Your policy can exceed these amounts, but these are the bare minimum.

When you are in the market for an auto insurance policy, understand how minimum coverage requirements play a factor. When you grasp this concept, it can make shopping for a policy that much easier. The Tri C Insurance Group team is here each step of the way to guide you through your auto insurance buying experience.