Houston Auto Insurance in Ohio

There are many Houston car insurance companies, big and small, that provide Houston auto insurance coverage in Ohio to their customers. But, how many of these policies are valid and legally binding? You can answer this question by finding out if your Houston auto insurance covers the minimum legal requirements specified by the state of Ohio.

Qualifications for valid Houston auto insurance in Ohio

Houston is an unincorporated township in northern loramie town ship, Shelby County in the state of Ohio.

There are a number of qualifications required for applying for auto insurance in Houston, Ohio.

Ohio state law requires one to have both bodily injury coverage and property damage coverage. The minimum coverage for bodily injury liability is twelve thousand five hundred per person and the minimum coverage for injuries incurred by all members involved in the accident is twenty five thousand dollars. And the minimum coverage for all forms of property damage is seven thousand five hundred dollars.

In addition to the above, tort option coverage and medical expense coverage/ burial coverage is also necessary according to Ohio state laws.

Tort option coverage is required to ensure that the policy holder is able to initiate legal proceedings. The coverage level for this is around five thousand dollars. This is because in case there is a very serious accident and you do not want to claim money for damages from your insurance company or you have just a third party insurance, you can easily sue the other party for damages. And you do not have to spend money from your pocket to do so. Because in the majority of the car accident cases, litigation is avoided for want of time and money. The money part of this problem is sorted out by having tort option coverage.

That is about the basic requirements in order to be within the limits of law. You can apply for higher coverage if you feel that you would need it. But anything above or beyond this would just be an added advantage to you and it would not actually affect your legal standing. The only thing is you would end up paying a lot more than you need to in order to conform to the rules of law.

And also in order to qualify for insurance coverage you need to be over the legal driving age of 18 in Houston, Ohio. You need to have a valid driving license and sale deed of the car also.

You can also qualify for underinsured motorist coverage and uninsured motorist coverage if you need. This is not mandatory, but it can assist you when you are in need of insurance coverage.

But it is always prudent to be insured over and above the legal requirements as you never know how badly you might get hit financially and mentally if ever you do end up in an accident. It is better to be safe than sorry.

Local auto insurance quotes in your area

AutoQuoteNow.com can help you compare car insurance quotes for auto insurance coverage in all of the following ZIP codes in Houston


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