Will My Ohio Auto Insurance Cover Me if I’m in an Accident in Nevada?

One of life’s great oddities is the fact that while we have a national governing body, auto insurance is still a state by state thing-and insurance in one state usually isn’t equal to insurance in another! While this is all well and good in theory, nobody really wants to spend the rest of their life stuck inside a single state. The $5 million question is, if you drive through any other state with your Ohio auto insurance coverage are you still going to be covered?

Your Ohio auto insurance should have you covered, no matter where you choose to spend your vacation.

Nine times out of ten the answer is going to be yes. Part of the beauty of living in a country made up of interlocking states is the ease with which you can hop behind the wheel and go visit a neighboring state without having to spend a fortune on airfare and passports. (Have you seen what they’re charging for those these days?) In recognition of that fact, most out of state repair shops are going to accept whatever auto insurance policy you happen to be carrying at the time of your accident.

If you do happen to be in an accident anywhere but Ohio and you have Ohio auto insurance there are a couple of things you need to keep in mind:

a) Every state has a different minimum driving age, and the law’s a little fuzzy on what’s going to happen if you’re in a state where the minimum age to have a learner’s or a license is older than you happen to be. While your insurance would probably still pick up the pieces, you could be facing a nice fine from local law enforcement. Or you may not. If you’re 15 or 16 and planning on driving out of state (whether you’re from Ohio or not) it pays to call ahead and find out what you’re getting into.

b) You’re still going to be held responsible for any costs above and beyond your maximum insurance coverage. If you’re out of state you’re going to be held responsible for paying those costs expeditiously-judges really hate dealing with out of state drivers, especially those who are underinsured. Most experts recommend you carry a minimum of $100,000-$300,000 in liability insurance on your Ohio auto insurance policy. This extends beyond minimum coverage levels for every state in the U.S. and will usually take care of all costs associated with an accident.

Taking a vacation across state lines is a lot of fun, and knowing that your Ohio auto insurance has you covered makes it even better. So kick back and enjoy the trip. You deserve it.

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