How auto insurance works
No jargon. Here is what the coverage types mean and what Ohio requires, in words that actually make sense.
The main coverage types
Liability
Pays for injuries and damage you cause to other people and their property. Ohio requires every driver to carry it.
Collision
Pays to repair or replace your own car after an accident, no matter who was at fault.
Comprehensive
Covers damage that is not a collision, like theft, hail, fire, or hitting a deer.
Uninsured motorist
Protects you when the other driver has no insurance or not enough to cover the damage.
What Ohio requires
Ohio law sets minimum liability limits every driver must carry: bodily injury coverage per person and per accident, plus property damage coverage. Many drivers choose higher limits and add collision and comprehensive to protect their own vehicle. Quick Auto Quote shows you state-minimum, standard, and full-coverage options so you can compare.
Common terms
- Premium
- The amount you pay for your policy, usually monthly or every six months.
- Deductible
- The amount you pay out of pocket before your coverage kicks in on a claim.
- Limit
- The most your policy will pay for a covered claim.
- Claim
- A request to your carrier to pay for a covered loss.