Ohio Auto Insurance Companies
Reader’s Question:
I am wondering , can a car insurance carrier in Ohio ask about any medical conditions you have such as heart problems, epilepsy or diabetes? Can they ask that? Is that legal? Do you have a recommendation on Ohio auto insurance companies?
Karl
Cincinnati, OH
Normally a car insurance company is permitted to ask questions about risk factors that could affect the insurance policy they would be offering an individual. There are certain medical medications and conditions that can impair your driving abilities and therefore be a risk factor to an insurance company.
To obtain a driver’s license in Ohio from the Bureau of Motor Vehicles (BMV) you must answer questions regarding your physical health and any medical conditions that you might have. If you have a condition that might affect your driving, the examiner will tell you the steps that you have to take and give you with a medical packet (form BMV 2058) which must be filled out by your doctor.
Ohio Auto Insurance Law
Reader’s Question:
I received a speeding ticket going over 17 mph? Is it going to be reported back to my home state in Michigan? What is the actual Ohio auto insurance law?
John
Thank you for asking John.
Ohio is part of the Drivers License Compact. On the other hand, Michigan is not part of this multiple state agreement that requires member states to exchange information of a person moving violations they receive out of state.
Even though Michigan is not part of this DLC to share traffic violation information between state courts and DMVs, they still have their own agreements to forward this information to other states and also get informed if a licensed motorist in Michigan is cited of a ticket out of state.
According to the Michigan Department of the State, if an out of state infraction corresponds to a offense listed in Michigan law, then the moving infraction will be recorded to your driving history and assigns points as required by the MI Vehicle Code.
It seems that not only will the speeding ticket that you received in Ohio will be placed on your Michigan driver’s license but also be assigned Michigan DMV points. For 16 mph or more over the posted speed limit MI assesses 4 points.
Goodluck!
MariCAR
Looking For An Affordable Auto Insurance Company in Ohio?
Reader’s Question:
If a friend is driving my vehicle, and my vehicle is not insured, am I going to be held liable if they get into an accident and cause damages? I live in Elyria Ohio. I am looking for an affordable auto insurance company in Ohio
Ricky
Elyria, OH
Normally in an accident auto insurance follows the vehicle first and motorist second, so you as the owner of the car, are primarily responsible. If the motorist causes an accident then both you as the car owner and the driver can be held responsible for the damages the driver caused while driving your car.
In Ohio, you can be ticketed for wrongful entrustment if you permit someone to drive your car without car insurance. If your car is uninsured in Elyria Ohio and you drive it on the roadway, either by driving it yourself or permitting your friend to do so, then you are placing yourself at risk for penalties by the state and financially if the vehicle is in an accident.