The Statistics of Why You Need Cincinnati Car Insurance

You can argue that you don’t need Cincinnati car insurance, but you can’t argue with car accident statistics.

With 83 car accidents a day in this county, Cincinnati car insurance is much needed protection.

People talk until they are blue in the face that they don’t need car insurance. Their reasons vary from being a safe driver, never having an accident before, not driving enough to increase the chance of getting into a car accident, and thinking that having to carry car insurance is a government conspiracy.

Whether these reasons are true or not, I am not going to speculate on. But what I can share are the car accident statistics from the Ohio Department of Public Safety, from there you can make your own decision as to whether you still need car insurance or not.

Actually, you don’t have a choice whether to have car insurance or not; but you can decide whether you feel safer having to have it.

Car Accident Statistics for All of Ohio

In 2012, there were a total of 287,050 car accidents in Ohio. This averages out to 786 car accidents a day in the state.

Of these 287, 050 car accidents, at least one person died in 1,024 of them. There were also a total of 72,100 accidents that resulting in one or more people being injured; which means that 25% of all car accidents that happened in 2012 had injuries. Of these injuries, there were a total of 105,149 people injured, creating an average of 288 people a day being injured in car accidents in Ohio.

The scary thing about these statistics is that 58% of the car accidents that happened in Ohio in 2012 were during clear weather conditions. Only 42% of car accidents happened where there was some sort of outside weather influence that could have created conditions for a car accident to happen.

Car Accident Statistic for Just Hamilton County

Hamilton County (the county where Cincinnati is located) was the location of 10.5% of all the car accidents in Ohio for 2012. This county alone averaged 83 car accidents a day.

Their car accident statistics also include:

• 55 fatal car accidents that resulted in 57 deaths
• 6,020 car accidents that had one or more injuries
• An average of 23 people a day being injured in car accidents

Cincinnati Car Insurance Requirements

Just as a reminder, even if you don’t want Cincinnati car insurance coverage you still have to have the following to be able to drive:

• $12,500 of bodily injury coverage to pay for the injuries you cause to one person
• $25,000 of bodily injury coverage to pay for all of the medical expenses for two or more injured people in a car accident that you cause
• $7,500 for property damage that you cause with your vehicle

And as of December 23, 2013 these required Cincinnati car insurance coverages will increase to:

• $25,000 of bodily injury coverage to pay for the injuries you cause to one person
• $50,000 of bodily injury coverage to pay for all of the medical expenses for two or more injured people in a car accident that you cause
• $25,000 for property damage that you cause with your vehicle

Even with the increase in coverage, these minimum Cincinnati car insurance requirements aren’t enough protection. These coverages only cover the damages and injuries you cause to another party; they do not cover your injuries or damages.

To make sure you have enough protection for yourself, contact your local agent and talk about the coverages that you currently have for your Cincinnati car insurance.