• Ohio Auto Insurance Coverage
• Ohio Auto Insurance Discounts

Ohio Auto Insurance Coverage

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Ohio auto insurance.

Ohio car insurance coverage your policy must have

Liability coverage is required by law

As a resident of Ohio, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

• Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
• Property damage safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.

When you buy Ohio auto insurance coverage, you’ll need at least the required state minimum amount: $12,500/$25,000/$7,500. So in the event of an accident, if you’re at fault, you’re covered up to $12,500 for bodily injury for each person involved, with a total maximum of $25,000 coverage per accident. Your policy also covers up to $7,500 in property damage per accident.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Ohio auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

• Comprehensive – This type of Ohio auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
• Collision – Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
• Uninsured/underinsured motorist – Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
  • Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

Other smart options to consider from Nationwide

• Accident Forgiveness – With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
• Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
• Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.
  

Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.

Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.