Ohio Auto Insurance Laws for Teens
Ohio insurance laws for teen drivers require the young drivers be in full compliance with all Ohio driving permit and licensure laws. In Ohio, teens can acquire a temporary permit at age 15 ½, but must have a licensed adult over the age of 21 in the vehicle with them at all times. Teen drivers must always carry an Ohio driver's permit, and photo identification while behind the wheel.
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Driving and Insurance Laws
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Once an Ohio teen turns sixteen and has completed the required training, the Ohio Bureau of Motor Vehicles driving test can be taken. The licensed, which is issued to successful teen drivers, is a probationary certificate, which is valid until the teen's eighteenth birthday.
Financial Responsibility Law
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Automobile insurance is required to be a legal driver within the state of Ohio. The Financial Responsibility law states all Ohio drivers must possess the ability to pay for injuries to both people and damages, which a driver causes in an accident. Should a driver be stopped for any type of violation, and not be able to present valid insurance, the driver's license will be suspended, and the vehicle can be impounded.
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Types of Insurance
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There are four types of auto insurance, which meet the standards of the Ohio law. Liability insurance is the most basic, and least expensive form of driver's insurance in Ohio. This type of insurance will pay a victim for physical injuries sustained in an accident, as well as damages to property as a result of an auto accident.
Collision and Medical Insurance
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Uninsured motorist's plans cover claim for the driver's injuries, and damages to the registered vehicle if another driver causes the accident. Collision auto insurance coverage covers the costs associated with personal vehicle damage as the result of an accident. Medical expense insurance plans will pay benefits to both the driver and passengers if injured during an auto accident.
Teen Insurance Rates
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Teens as well as adults must adhere to Ohio insurance laws. Youthful drivers can join a parent's insurance plan to fulfill the law's requirements. Depending upon the insurance provider, the insurance rates for adding a teen driver can cause a rise in the premium. Some insurance companies offer discounts for students who submit a grade card with honor or merit roll status.
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References
- Photo Credit Tara Dodrill
