Car Insurance: How Much Liability Do I Need?

Driving a car on a daily basis is a need for a lot of people in the Columbus, OH area. When you do drive a car, you are going to be obligated to carry liability auto insurance. When you are shopping for an insurance policy, you will find that there are a lot of options when it comes to choosing a liability policy. The amount of liability insurance that you need is dependent on a variety of factors.

Legal Requirements

When you are looking for liability insurance in Ohio, it is important to first consider the state minimum requirements. Similar to other states, Ohio requires that you carry a certain level of coverage. In this state, you need to have bodily injury coverage of $50,000 per incident and $25,000 per person. You will also need property damage liability coverage of at least $25,000 per incident.

Additional Coverage

While these insurance levels are all that you need to drive legally in the state of Ohio, it is not necessarily enough to cover damage that could occur in a bad accident. If you are in an accident that leads to significant damage, you will still be required to pay restitution but will only receive the policy level of insurance coverage. Due to this risk, you should consider getting additional coverage to ensure you are covered in the event the liability costs are more significant.

If you are ever at fault in an auto accident, Columbus car accident lawyers can provide you with great service. Schedule a free consultation today to discuss your options. The Flickinger Legal Group is a team of Columbus car accident lawyers that can help to ensure that your rights are properly represented. They can also work with your insurance company to ensure they are honoring your insurance agreement.