Ohio state law requires all motor vehicle drivers to carry Bodily Injury Liability Coverage as well as Property Damage Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $12,5000 per person injured in any one accident and $25,000 for all persons injured in any one accident.

The required minimum coverage for Property Damage is $7,500 for injury to or destruction of property of others in any one accident.

Optional insurance available for purchase may include Uninsured Motorist Coverage as well as Underinsured Motorist Coverage. A mandatory offer of this type of coverage is not required by the State of Ohio. As well, Ohio has no laws which regulate the amount of coverage to be purchased.

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Ohio law requires all drivers to carry Bodily Injury Liability Coverage; Property Damage Liability Coverage; Tort Option Coverage; and Medical Expense/Burial Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $15,000 per person and $30,000 per occurrence.

The required minimum coverage for Property Damage Liability varies. Consumers should consult with their insurance representatives.

Tort Option Coverage in Ohio – Full vs. Limited: Used to determine the policy holder’s ability initiate a lawsuit for pain and suffering involved in a car accident.

The Ohio also requires $5,000 worth of coverage for Medical Expense Benefits.

By: Elizabeth Newberry

DUI car insurance is quite a significant issue for those charged with drunk driving, DUI, DWI, or other alcohol-related driving offenses. Auto insurance companies including GEICO auto insurance will base their rates on a variety of factors, including driving record.

Drunk driving convictions will cause many auto insurance carriers to drop you like a hot potato as an insured; others will raise the rates significantly. In many cases it may be best not to reveal a pending case to an insurance carrier, simply because without a conviction, there is no obligation to do so.

If an accident is involved in the alcohol-related driving episode, then it becomes even more complicated when to talk with your auto insurance company and when to talk to your lawyer. Therefore, it is critical to consult with a qualified lawyer in your area to determine whether the insurance company can exclude the incident from coverage. In most cases, when someone has a DUI or DWI and gets into an accident, a GEICO auto insurance policy will cover the damage. It is not absolute, but nice to know they stand by their auto insurance policies and can back it up with their strong financial power.

By getting a free, no-obligation quote on auto insurance from GEICO Auto Insurance anyone accused of a DUI / DWI can get information on the specifics of their situation while there is still time to do something about it.

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By: Carley Swift

Chicago insurance companies tend to set an average driving amount for each car type. Insurance companies normally charge more for high-performance cars because of their increased susceptibility to accidents and theft. As a general rule of thumb, there is some flexibility in the types and amount of coverage you need for a used car, but Chicago has insurance laws and you will need some kind of coverage regardless of what it is worth.

Chicago law states that you have to carry liability insurance. It provides financial protection from claims when you cause an accident that results in bodily injuries to other people or damage their property. The feeling is that if you caused the problem, you insurance should compensate victims. Because liability fees can be high (way beyond what you have to have), you might consider taking out a greater amount of liability coverage. In Chicago, collision and comprehensive insurance is optional. It covers physical damages to your vehicle form a crash of fire or falling object, etc.). If you’ve purchased an older used car, this type of insurance is expensive and probably not necessary.

In Chicago, like any other big city, it is important to update the information that your insurance company has on fine for you, your car and your driving record. You may be eligible for a rate reduction if you have gotten married, moved to the suburbs, no longer insure a younger driver, installed an anti-theft device, or if it has been at least three years since your last violation.

Used car insurance rates can vary widely by hundreds of dollars from company to company because of various claims experience, cost of doing business. Car insurance is priced to cover the costs of accidents that may happen in the future. Information about the past claims experience is used to see the future of a company.

By: Eric Morris