Which type of insurance must Ohio motor vehicles carry?

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

Answer: (A)

Ohio requires you to have liability coverage that pays for injuries to others and for damage to their property if you’re at fault in an accident. This is about your financial responsibility to other people you may affect while driving. Liability insurance is the minimum legal protection to operate a vehicle in the state. It doesn’t pay for damage to your own car—that’s what optional coverages like collision (your car) and comprehensive (non-collision events) are for. Driving without proof of this required insurance can lead to penalties such as fines and possible license or registration consequences. So the must-have type is liability insurance because the law requires you to be able to cover damages you cause to others.