I hope you can help. Please clarify the difference between liability and collision coverage as it relates to my auto insurance policy in Cleveland Ohio. Thanks for the help.

Mary

Cleveland, OH

Hello Mary,

Every auto insurance policy contains liability and collision coverage. With auto insurance policy, basic liability insurance protects you in the event you are the cause of an accident and other people are involved. If other riders are injured, your auto insurance liability coverage will protect you by covering the cost of these damages. Most liability coverage has additional riders to provide a variety of liability protection.

Your auto insurance policy also contains collision coverage. If your car collides with either another car or a stationary object, repairs will be covered up to the actual cash value of the vehicle. Under the terms of your auto insurance policy, the actual cash value is not related to the purchase price of the vehicle, but is determined by the actual book value of the car. Actual cash value takes into account wear and tear of the damaged vehicle.

When considering purchasing your new auto insurance policy, you may want to review all the liability coverage options offered by your carrier. This site provides many options for you to consider. By completing the auto insurance inquiry form at this site, you will receive proposals from several auto insurance carriers in the Cleveland area. These nationally acclaimed auto insurance companies will outline their various liability coverages for you. Good luck, Mary.

I just received a ticket for driving without a license and I just want to know what the penalties will be. Im a minor and I live in Ohio. Thanks.

Albert

Thank you for asking Albert.

Chapter 4507 of the Ohio Revised Code (ORC) which includes the Driver’s License Law for OH, states that no individual shall allow the operation of a motor vehicle upon any public or private property used by the public for purposes of vehicular travel or parking knowing the operator does not have a valid driver’s license issued to the operator by the registrar of motor vehicles.

If you get caught driving without a license you are guilty of a misdemeanor of the first degree. Driving without ever being licensed may result to being fined of up to $1000 and jail time of up to 180 days. Since you are a minor there will likely a delay in you being able to receive an OH learner’s permit or license.

To get more information about your conviction and the penalties you may receive, you may call the court listed on your ticket and also contact the Bureau of Motor Vehicles (BMV).

Goodluck!

MariCAR