Many believe that if a driver is in an accident in someone elses car the drivers insurance would cover the damages rather than the cars owner.

Does insurance follow the car or the driver in ohio. But this is a myth. It is law in Ohio that you must have insurance to drive any motor vehicle. Pays for injury or death to others when the driver of your car is at fault in an accident.

The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy that do follow you when you are driving someone elses car. The liability uninsured motorist and med pay elements of the policy dont just cover your car but you personally. Generally auto insurance will follow the vehicle rather than the driver but some coverage types follow the driver too.

Anyone can drive your auto will cover beneath your insurance plan. Proof of insurance must be shown at traffic stops accident scenes and vehicle inspections. You require making sure you have enough responsibility insurance to pay the interest.

In general auto insurance follows the vehicle. In most instances as long as the owner of the car has insurance their policy covers it even if someone other than them drives the car. 2 Unfair acts.

In Ohio its illegal to drive a motor vehicle without the following minimum amounts of liability insurance. 25000 for bodily injury or death of 1 person in an accident 50000 for total bodily injury or death in an accident ie for all persons harmed in one accident 25000 for property damage per accident. If for for some reason Bobs insurance turned was invalid or the damages were so large that his insurance was exhausted then James insurance would respond as a secondary coverage.

In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since. At AAA Ohio Auto Club Insurance Agency we often get questions about insurance for borrowing a car or loaning a car to someone else. Youre required to carry bodily injury liability and property damage liability in Ohio.