These are the restrictions for drivers still under 18 following their first year of being licensed:
- They can’t drive between 1 a.m. and 5 a.m. unless commuting to or from work, a school-sponsored event, or a religious event.
- Everyone in the car must wear a seat belt.
If drivers under 18 have multiple traffic convictions, their licenses could be suspended, with a six-month minimum for alcohol-related convictions.
Statutes of Limitations for Claims
If you get into a car accident and want to file a claim, you must file within four years of the accident to receive reimbursement, whether it’s a property damage or personal injury claim.
Notification Laws for Cancellations and Non-Renewals
Insurance companies can’t just cancel your policy for no reason. They can cancel it if you committed fraud on a claim, misrepresented yourself on your application, or have a revoked or suspended license, but they must alert you 30 days before the policy’s expiration date. If the cancellation is due to nonpayment, that window shortens to 10 days.
Insurance companies can always choose not to renew your policy at the end of its term, but they need to give you 30 days’ notice before the termination date so you have time to look for a new policy.
Have more than 25 vehicles and $30,000? Congratulations – you can self-insure in the state of Ohio! You can do this in a few different ways:
- Deposit at least $30,000 at the office of the state treasurer.
- Get a certificate of bond from the DMV for $30,000; in this case, you must also own real estate with at least $60,000 of equity.
- Get a $30,000 self-insurance certificate from the BMV.
- Get a $30,000 bond from an authorized insurance company or surety.6
If you have an out-of-state title or registration you want to convert to an Ohio title or registration, you’ll need to get your car inspected first. Here’s how:
- Collect the necessary documents. You’ll need to bring …
- A prepaid inspection receipt from the BMV, which you can find at https://publicsafety.ohio.gov/local-office. It’ll cost $50 plus registrar fees.
- A state-issued ID or passport (if you’re driving, it should be a valid driver’s license).
- An Ohio title with the name of the current owner.
- All original receipts from any of your car’s replaced parts.
- Used-vehicle receipts with the donor car’s vehicle identification number (VIN).
- Receipts from a casual sale.
- Schedule your appointment. You can schedule your inspection either online (https://services.dps.ohio.gov/VehicleInspection/VI/Schedule/ScheduleAppointment) or by calling 844-610-0010.
- Visit an inspection site. Bring the necessary paperwork to one of the following inspection sites.
|Region of Ohio
||Inspection site address
||1640 Alum Creek Drive Columbus, OH 43209
||4633 Glenn Highway Cambridge, OH 43725
||5525 W. 140th St. Brook Park, OH 44142
||1653 Marion Road Bucyrus, OH 44820
||3424 Parkman Road Southington, OH 44470
||8210 County Road 140 Findlay, OH 45840
||25 McCarty Lane Jackson, OH 45640
||9971 Cincinnati Dayton Road West Chester Township, OH 45069
||1275 Experiment Farm Road, Suite D Troy, OH 45373
- Get an emissions test (e-check). If you live in certain counties and have a vehicle between 4 and 25 years old, you’ll also need to undergo an e-check. These are the counties that require e-checks:
You can find a list of e-check locations online (https://www.ohioecheck.info/locations) or by calling 800-227-83787.
If you’ve been caught driving without insurance in Ohio, even if you’re from out of state, you’ll have to get an SR-22 to reinstate your license. An SR-22 is a form that proves you have minimum liability insurance8.
Defensive Driving Courses
If you have two to 11 points on your driving record, you’ll be court-ordered to take a defensive driving course. If you plead guilty to a distracted driving traffic violation, you can take a distracted driving course instead of paying the maximum $100 fine. You’ll get a two-point reduction per eight-hour class. You can find a course here: https://services.dps.ohio.gov/DETS/public/schools.
Thresholds for Suing
In Ohio, you can sue for economic and noneconomic damages in a civil suit without meeting a specific monetary or serious injury threshold. So, no matter how small your losses or how mild your injuries are, you can file a suit.
When You Must Report an Accident
Ohio has strict accident reporting laws. You must report all crashes immediately or face a maximum fine of $150.
Pricing Discrimination: Is It Legal?
In most states, people with bad credit and men pay more for car insurance. While some states ban pricing discrimination based on these factors, Ohio is not one of those states. Without these protections, someone with a low credit score and a clean driving record will receive higher auto insurance rates than someone with a good credit score and a clean record.
Total Loss Formula
Ohio uses the total loss formula to determine whether a car is worth repairing. If the car’s salvage value is less than the cost of the repair, it is declared a total loss.