The State of Ohio is strict about their car insurance. In order to drive on the streets, roads or highways, you must have proof of financial responsibility or the minimum car insurance coverage for Ohio. Also, it is required that anyone driving your vehicle have financial responsibility coverage. You will also have to sign a financial responsibility form before you can register your vehicle. The form states that you will not drive without the required car insurance coverage for Ohio. The same goes for when you apply for a permit or license.

The required coverage is $12,500 bodily injury per person, $25,000 bodily injury for two or more people and $7,500 for property damage. You can get a liability car insurance to comply with the above required coverage. Of course it is better if you get additional coverage, such as the uninsured and the underinsured coverage, for your additional protection.

Anytime you drive, you should have with you your proof of financial responsibility or proof of car insurance for Ohio. If an officer of the law asks you to show your proof of insurance when you are stopped or if you are stopped for vehicle a inspection. You will also have to show your proof at your traffic court appearances. The Registrar of the Ohio Bureau of Motor Vehicles might also request you to show your proof for their random checks. They do this through mail and 5% of Ohio drivers are randomly selected every year.

Your proof of financial responsibility can be your insurance policy, your insurance id card, $30,000 surety bond issued by authorized surety company, at least $60,000 BMV bond or a certificate of proof of financial responsibility from your insurance agent or company. If you fail to show your proof of financial responsibility on any of the above stated circumstances, you might lose your license, your license plate and registration. You also have to pay the $75 to $500 reinstatement fee and face other penalties, such as revocation of your Ohio state drivers license. You will also have to carry the special financial responsibility coverage for three to five years.

Read more about Ohio Car Insurance