Will My Auto Insurance Cover A Wreck I Had In My Friends Car?
Reader’s Question:
I live in Columbus and I am insured in the state of Ohio. I drove my friend’s car and wrecked it. My question is: does my auto insurance company pay for the damages or his insurance?
Dexter
Columbus, Ohio
The Auto Insurance Buyer’s Guide on the Ohio Department of Insurance website states that, typically covered on an insurance policy is you, family members in your household (that you have listed on your insurance policy) and in general any licensed motorist that you allow to drive your vehicle unless your insurance policy rules out this provision.
Your friend will have to discuss the car insurance coverage he has under his car insurance policy but normally it is the car owner’s insurance that would be primary and the motorist’s car insurance would be secondary, thus his car insurance would pay on the damages first. If his car insurance did not cover all of the damages then your auto insurance could be used for excess.
Will Traffic School Remove My Speeding Ticket From My Record?
Reader’s Question:
I got a speeding ticket in the state of Ohio. Will this be transferred to my home state KY? Is there a way to remove it? Can I enroll in a traffic school? Please help.
Jana
Thank you for asking Jana.
Kentucky and Ohio are both part of the Drivers License Compact. This means that Ohio will share your speeding ticket to Kentucky therefore it will likely show up on your KY driving record. Although Kentucky does not assess points for out of state speeding tickets, it does for other types of tickets.
Kentucky’s defensive or traffic school can be referred to by the court system and since your ticket was in OH and not KY then I dont think that you could do traffic school. The speeding ticket that you received in Ohio could affect your insurance rates in Kentucky when it shows up on your record.
Insurance providers differ on their rating system so you may contact your insurers to find out how this ticket can affect your premiums. So if you do not want to just pay the ticket and remain on your driving record you could contact an Ohio lawyer to see what options you have.
Goodluck!
MariCAR
Is Car Insurance Required in Ohio?
Reader’s Question:
I just want to know if the state of Ohio requires car insurance. Thank you.
Maricel
Thank you for asking Maricel.
The state of Ohio requires drivers to have either car insurance or other proof of financial responsibility (FR). It is illegal for a motor vehicle owner to allow anyone to drive their car without Financial Responsibility proof.
An individual must have at least one of the following to comply to the Financial Responsibility law:
* A motorist liability insurance policy;
* A $30,000 bond issued by an authorized surety or insurance company;
* A certificate of proof of financial responsibility signed by an insurance agent on a from prescribed the OH Bureau of Motor Vehicles (BMV);
* A certificate issued by the BMV, indicating that money or government bonds in the amount of $30,000 is on deposit with the Treasurer of State;
* A certificate of bond issued by the BMV in the amount of $30,000 signed by 2 people who own real estate having equity of at least $60,000;
* A certificate of self-insurance issued by the BMV to those with more than 25 motor vehicles registered in their name or a company’s name
Proof of insurance or other acceptable financial responsibility must be shown at the time of a violation or accident. If there is not Financial Responsibility in force at the time of the violation the individual’s driver’s license is suspended or revoked.
Goodluck!
MariCAR
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