Thus as the car owner its your policy -- and your future car insurance rates -- at risk if someone who borrows your car causes an auto accident.

Ohio auto insurance follow the car or driver. Contact your insurance agent to review your coverage and make sure youve got the protection you need. The state requires liability insurance at these minimum coverage amounts. 25000 for injury or death per person in an accident you caused.

Your cars are covered when you get in an accident. You and your passengers are covered if you are injured in your cars. There are instances when car insurance follows the driver like when you rent a car.

Pays damages to your vehicle whether or not caused by a collision see page 10. Financial Leadership Rotation Program Nationwide Insurance Columbus OH In general auto insurance follows the vehicle. The permitted drivers insurance may also only cover personal liability and medical expenses.

Others are covered if injured by your cars. That means if someone borrows your car and is at fault for an accident your policys liability coverage will cover them. Mandatory Insurance It is law in Ohio that you must have insurance to drive any motor vehicle.

At AAA Ohio Auto Club Insurance Agency we often get questions about insurance for borrowing a car or loaning a car to someone else. Ohio drivers must carry liability insurance or proof of financial responsibility. By filing a claim with his or her own insurance company assuming that the loss is covered under the policy in this situation the insurance company will likely turn around and pursue a subrogation claim against the at-fault drivers insurance company by filing a third-party claim directly with the at-fault drivers.

First and foremost your policy covers your cars. 50000 to cover total injuries. Comprehensive and collision auto insurance coverage on the other hand are tied to the insured vehicle they follow the car.