Ohio has what is known as a “fault” system of insurance coverage. It’s illegal to drive a motor vehicle without insurance or proof of financial responsibility, such as a Surety Bond or a state-approved certificate. Driving without required Auto Insurance in Ohio can result in a variety of potential penalties, including license suspension, fines, and even vehicle impoundment.
Property Damage Liability and Bodily Injury Liability are the mandatory minimum coverages in the state of Ohio. If you’re at fault in an accident and the costs exceed the limits of your minimum coverage, you can be held responsible. The state says your home, car, and other assets could be taken away from you, or your present and future wages could be garnished to pay for these costs.