What type of auto insurance should I have in Ohio?


(music) (what type of auto insurance should I have in Ohio?) Hi, this is Chuck Boyk. One of the most common questions I receive from
clients and friends is what type of auto insurance should I
carry on my car in Ohio? Ohio law requires the minimum insurance is twenty-five thousand dollars per accident, twelve thousand five hundred dollars per
person and seventy five hundred dollars in property damage. That is the bare minimum and is clearly inadequate to cover your recovery under Ohio law. In order to protect yourself you basically have to look at the big picture the big picture is that you need to protect you and your family from losing all of your
personal assets. So for liability coverage purposes the answer to the question is you should carry as much insurance coverage as you could afford. We would suggest at bare minimum a hundred thousand dollars per person,
three hundred thousand dollars per accident. But what I really recommend is most likely five hundred thousand dollars per person and if you do have resources if you have a
financial worth with a house and a family and assets over a couple hundred thousand dollars, we suggest that you buy an umbrella
policy. An umbrella policy gives you an additional 1 million dollars in insurance coverage to protect you and your family. The extra
cost maybe three or four hundred dollars a year and we think that’s crucial to protect your family from being the victim of loosing your personal assets by an auto accident in the state of Ohio.

Paul Whisler

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