Ohio video lessons · Lesson 9 of 10
Ohio Insurance, Collisions and Registration: five situations explained
All five situations and their answers are below. To watch the lesson, create a free account.
In this video
- 0:00Intro
- 0:19Within how long may you file a BMV Crash Report when the other driver was uninsured?
- 1:18What is Ohio’s minimum liability coverage for injury or death of two or more people?
- 2:15When must you show proof of insurance in Ohio?
- 3:25Besides an insurance policy or bond, how else can you meet Ohio’s financial responsibility law?
- 4:27Is it legal to drive in Ohio without insurance?
- 5:20Recap
In short
You may file form BMV 3303 within six months if there was over $400 in damage or an injury and the other driver had no insurance. Minimums are $25,000 for one person, $50,000 for two or more, and $25,000 for property damage. Proof is required when ticketed, at vehicle inspection stops, at traffic court, after a crash with more than $400 in damage, and when the BMV asks.
The five situations
Pick an answer first, the way the video pauses for you. Each one cites the Digest of Ohio Motor Vehicle Laws.
Situation 1
Within how long may you file a BMV Crash Report when the other driver was uninsured?
Answer: B. Six months. You may file form BMV 3303 within six months if there was over $400 in damage or an injury and the other driver had no insurance.
Digest of Ohio Motor Vehicle Laws › Section 10 › Report the Crash
Situation 2
What is Ohio’s minimum liability coverage for injury or death of two or more people?
Answer: C. $50,000. Minimums are $25,000 for one person, $50,000 for two or more, and $25,000 for property damage.
Digest of Ohio Motor Vehicle Laws › Section 6: State Laws and Penalties › Insurance - Financial Responsibility
Situation 3
When must you show proof of insurance in Ohio?
Answer: B. When ticketed, at inspection stops, in traffic court, and after a crash over $400. Proof is required when ticketed, at vehicle inspection stops, at traffic court, after a crash with more than $400 in damage, and when the BMV asks.
Digest of Ohio Motor Vehicle Laws › Section 6 › Insurance - Financial Responsibility
Situation 4
Besides an insurance policy or bond, how else can you meet Ohio’s financial responsibility law?
Answer: B. Deposit $30,000 with the Registrar. You may deposit $30,000 with the Registrar and show proof of no unsatisfied judgments.
Digest of Ohio Motor Vehicle Laws › Section 6 › Insurance - Financial Responsibility
Situation 5
Is it legal to drive in Ohio without insurance?
Answer: A. No. In Ohio it is illegal to drive any motor vehicle without insurance, or to let someone else drive yours without it.
Digest of Ohio Motor Vehicle Laws › Section 6 › Insurance - Financial Responsibility
Transcript
0:00Intro
Insurance, crashes and registration come with deadlines and dollar amounts the test loves to ask about. Here are five from the Digest of Ohio Motor Vehicle Laws. For each one, pick your answer before I reveal it.
0:19Situation 1
In Ohio, an uninsured driver causes a crash with you. Within how long may you file a BMV Crash Report when the other driver was uninsured? The answer is B: Six months. You may file form BMV 3303 within six months if there was over $400 in damage or an injury and the other driver had no insurance. You may file the BMV Crash Report within six months if there was more than 400 dollars in damage or an injury.
1:18Situation 2
You're choosing liability limits for an Ohio policy. What is Ohio’s minimum liability coverage for injury or death of two or more people? The answer is C: $50,000. Minimums are $25,000 for one person, $50,000 for two or more, and $25,000 for property damage. The minimums are 25,000 dollars for one person, 50,000 for two or more, and 25,000 for property damage.
2:15Situation 3
You're stopped and ticketed in Ohio. When must you show proof of insurance in Ohio? The answer is B: When ticketed, at inspection stops, in traffic court, and after a crash over $400. Proof is required when ticketed, at vehicle inspection stops, at traffic court, after a crash with more than $400 in damage, and when the BMV asks. You must show proof of insurance when ticketed, at inspection stops, in traffic court, after a crash with more than 400 dollars in damage, and when the BMV asks.
3:25Situation 4
A driver wants to meet Ohio's financial responsibility law without a policy or bond. Besides an insurance policy or bond, how else can you meet Ohio’s financial responsibility law? The answer is B: Deposit $30,000 with the Registrar. You may deposit $30,000 with the Registrar and show proof of no unsatisfied judgments. They may deposit 30,000 dollars with the Registrar and show proof of no unsatisfied judgments.
4:27Situation 5
A friend asks to borrow your car, and neither of you has insurance. Is it legal to drive in Ohio without insurance? The answer is A: No. In Ohio it is illegal to drive any motor vehicle without insurance, or to let someone else drive yours without it. In Ohio it's illegal to drive any vehicle without insurance, or to let someone else drive yours without it.
5:20Recap
You may file form BMV 3303 within six months if there was over $400 in damage or an injury and the other driver had no insurance. Minimums are $25,000 for one person, $50,000 for two or more, and $25,000 for property damage. Proof is required when ticketed, at vehicle inspection stops, at traffic court, after a crash with more than $400 in damage, and when the BMV asks. You may deposit $30,000 with the Registrar and show proof of no unsatisfied judgments. In Ohio it is illegal to drive any motor vehicle without insurance, or to let someone else drive yours without it. Nice work. Try more insurance and collision questions in Practice by Topic, then test yourself with a full mock exam.
The rules in this lesson
- You may file form BMV 3303 within six months if there was over $400 in damage or an injury and the other driver had no insurance.
- Minimums are $25,000 for one person, $50,000 for two or more, and $25,000 for property damage.
- Proof is required when ticketed, at vehicle inspection stops, at traffic court, after a crash with more than $400 in damage, and when the BMV asks.
- You may deposit $30,000 with the Registrar and show proof of no unsatisfied judgments.
- In Ohio it is illegal to drive any motor vehicle without insurance, or to let someone else drive yours without it.
Original practice lesson written from the Digest of Ohio Motor Vehicle Laws. EstatePass is not affiliated with or endorsed by the Ohio BMV; these are not official test questions.