On December 13th, the Ohio House and Senate passed House Bill 278, which is designed to increase the minimum amount of insurance coverage that every driver in Ohio is required to carry. The bill officially took effect on December 22, 2013. The previous insurance limits – $12,500 per person for bodily injury, $25,000 per auto accident, and a mere $7,500 in property damage – were so low that many people were left vulnerable in the event of an accident. The limits have not been increased since 1969, when the cost of a vehicle and repairs were much lower than they are today. 

Now, with the advent of House Bill 278, the minimum auto insurance limits in Ohio have been raised to $25,000 per person for bodily injury, $50,000 per accident, and $25,000 in property damage. This means that if you are hit by a driver who carries the minimum Ohio state coverage, you will now have $25,000 of property damage coverage available to you, instead of only $12,500. 

This change will increase some of the insurance premiums throughout the state, but state legislators estimate that this increased cost will not be dramatic. The average increase is anticipated to be two to three dollars per month, per policy. 

If you have been seriously injured in an Ohio car accident caused by another driver’s recklessness or negligence, please contact Robert W. Kerpsack Co., L.P.A. today or call (614) 766-2000 to schedule a free case evaluation with our experienced Ohio auto accident lawyer. We represent injured car accident victims throughout Columbus, Dublin, New Albany, and all of Ohio.