Ohio has a law called a "financial responsibility law" that requires drivers to maintain insurance during the time in which the vehicle is registered with the state. It is important to understand the penalties for lack of insurance or financial responsibility, as the proof is required at the scene of a car accident or at a random check.

About

The state of Ohio requires that, during the time in which a vehicle is registered, the vehicle owner must show financial responsibility.

Requirements

The requirement for showing proof of insurance in Ohio is to have an insurance card in the car at all times. The car owner's insurance needs to include a $30,000 bond.

Showing Financial Responsibility

The law in Ohio requires that car owners are financially responsible. Proof of this financial responsibility must be provided when there is a car accident or a traffic violation.

Consequences for Financial Irresponsibility

The state of Ohio will suspend driving for the violator for up to two years if financial responsibility is not proven. Additionally, the license plate of the vehicle in question can be revoked with reinstatement fees that are higher because of the financial responsibility violation.

Consequences When in an Accident

Ohio has strict penalties for car accidents when the driver cannot prove insurance or financial responsibility. These consequences vary, but the driver's license can be suspended for as much as two years, even if the driver who did not have insurance was not the driver at fault during the accident.

Source:

BMV.Ohio.gov - Ohio Financial Responsibility Law