A 3-minute lesson from the Ohio course. Read the rules and examples, follow the handbook page references, and check your understanding before you move on.
Ohio requires every driver to be covered by liability insurance (financial responsibility). It pays for the harm you cause others. Driving without it can cost you your license, plus fines and reinstatement fees.
Know the rule
It is illegal to drive any motor vehicle without insurance, and illegal for an owner to let anyone else drive their vehicle without insurance.
When you register a vehicle or apply for a new, renewal or duplicate license, you sign a sworn statement that you won't drive without liability insurance or other financial responsibility.
You're in a fender-bender with $600 in damage. Because damage is over $400, you must be able to show proof of insurance. At $300 in damage the crash alone wouldn't require it — but getting a ticket would.
Check your understanding
Read the question, decide on an answer, then open it to check the explanation. These are Roadwise study questions based on the source handbook.
What is the minimum required liability coverage for the injury or death of one person?
$25,000
$50,000
$10,000
$15,000
Answer: $25,000
Ohio requires minimum liability coverage of $25,000 for injury or death of one person.