All motor vehicles in Ohio must be covered by

• A. Liability insurance
• B. Collision insurance
• C. Comprehensive insurance
• D. No insurance required

Answer: (A)

Ohio requires you to have liability insurance for any motor vehicle operated on public roads. This rule exists so there are funds to compensate others for injuries or property damage you may cause in an accident. Liability coverage specifically pays for injuries to people and damage to others’ property, not for damage to your own vehicle. Collision and comprehensive coverages are optional and protect your own car, but they aren’t mandatory by state law. Driving without liability insurance can lead to penalties like fines and license or registration issues.