In Ohio insurance follows the auto.

Does insurance follow car or driver in ohio. If you have a named driver policy any driver you want to be covered to drive the vehicle needs to be added to the insurance policy. 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. Insurance coverage varies from insurer to insurer and policy to policy but generally there are coverages that can follow you or your car.

At AAA Ohio Auto Club Insurance Agency we often get questions about insurance for borrowing a car or loaning a car to someone else. For example if Bob loans his car to James and James has an accident with it Bobs insurance will be the primary insurance responding to the accident. There are coverages that follow the car and coverages that follow the driver.

Policies may have two limits. Insurance coverage follows the vehicle. Anyone can drive your auto will cover beneath your insurance plan.

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. Standard auto insurance policies cover the car. In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since.

That means if someone borrows your car and is at fault for an accident your policys liability coverage will cover them. By adding complementary policies you can guarantee you the driver and the vehicle will be protected in the event of an accident. There are several factors that determine whether and to what extent a person or vehicle is covered including the names listed on the insurance.

The minimum requirements for coverage are. Ohio requires a minimum insurance amount to be legally Covered in the state of Ohio. The liability uninsured motorist and med pay elements of the policy dont just cover your car but you personally.