Teenager’s Guide to Auto Insurance

Teenager T ’s Guide to Auto Insurance What you need to know about your responsibilities as a new driver When can I get a license? You can get a temporary permit at age 15 1/2 . The permit allows you to drive as long as you have a licensed driver age 21 or older in the front passenger seat. You must carry your permit and an identification (ID) card while driving. You must complete driver education, any other required training and pass the Ohio Bureau of Motor Vehicle tests. Then you can be eligible for a probationary license, which is valid until you turn 18. Why do I need automobile insurance? To drive legally in Ohio, you must comply with a state law called “Financial Responsibility” or “FR” for short. This law requires each Ohio driver to demonstrate an ability to pay for injuries to other people or damages to other people’s property if the driver causes an accident. Most Ohio drivers comply with the FR law by purchasing auto insurance. Types of coverage under auto insurance are described below. Liability insurance pays claims if you hurt someone else or damage another’s property. Uninsured motorists (UM) coverage pays claims for your injuries and damage to your car if a driver without insurance hits you. Collision coverage (if you buy it) pays you if your own car is damaged.Medical expense coverage (if you buy it) pays medical expenses for you and your passengers.
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