Say Yes to Columbus Car Insurance and No to Texting

Columbus car insurance is just one of many things that are required when driving in this city.

Columbus, Ohio

Columbus car insurance is required not only to protect others from your driving, but also to protect you from financial ruin from the expenses that can arise from a car accident that you cause. Other laws such as how wireless devices can be used while behind the wheel and being responsible after you cause a car accident are also there to protect others, as well as you from yourself.

Wireless Device Use in Columbus

Drivers of regular passenger cars and bus drivers in Columbus, Ohio are allowed to drive and talk on their cell phones. They can talk with or without using a hand-free device also. The only group restricted from talking on wireless devices is drivers under the age of 18.

Texting, however, is banned for all drivers.

Failing to Stop After a Car Accident in Columbus

Causing a car accident is bad enough, but to cause one and then leave the scene without accepting responsibility for your actions is even worse. In Columbus, like most other places, leaving the scene of an accident is illegal and can leave you with a first degree misdemeanor on your record.

To prevent this from happening use your common sense, and make sure you know what is expected of you in Columbus after an accident:

• Stop your motor vehicle and remain at the scene of the accident until you have exchanged contact, vehicle and insurance information with the other driver. Or have contacted the police in the event that one of the parties cannot exchange information.
• If you have hit another person’s property and the other person is not around, make every effort to contact the other person or leave your contact information in plain sight for the other person to find.

As well as being charged with a misdemeanor for not following the above laws after an accident, your driver’s license will also be suspended. If you kill or seriously harm a person and then leave an accident you will no longer be charged with a misdemeanor, it will instead be upgraded to a felony.

Columbus Car Insurance

All drivers in Columbus are required to follow the same insurance laws that are set for the entire state of Ohio, as the state of Ohio sets and regulates all insurance in the state. To be in compliance drivers must carry $12,500 in bodily injury liability coverage for a single person, $25,000 in bodily liability coverage total that will be paid out for two or more people, and finally $7,500 in property damage liability coverage.

And honestly, the required coverages for the state of Ohio are so bare minimum that you will be lucky if your accident expenses are completely covered by these coverage limits. To make sure that you are protected from the high costs of another person’s medical bill and car repair costs, talk to your insurance agent about what would be the best coverages to have in your financial situation.

It’s best to have more Columbus car insurance coverage than you actually need, instead of being stuck with years of payments to pay off the expenses you are responsible for from a car accident.