Health Care and Insurance Law

IV.    Health Care and Insurance Law


House Bill 258     Financial responsibility

Senate Bill 153    Financial responsibility

A product of the OSBA Insurance and Negligence Law Committees

House Bill 258 is pending in the House Insurance Committee

Senate Bill 153 is pending in the Senate Insurance, Commerce and Labor Committee


Ohio’s Financial Responsibility Law, Section 4509.51 of the Revised Code, details the minimum amount of coverage a driver must have in order to cover anticipated losses in the event of an accident.  However, this law has not been amended since 1969, and due to inflation, these amounts are no longer adequate to cover costs due to anything more than minor traffic accidents.  The minimums are currently set at $12,500 for bodily injury for one person injured in an accident, $25,000 for all injuries to all persons in a single accident, and $7,500 for property damage in one accident. 


House Bill 258 would increase the minimum insurance requirements of $25,000 for one person injury accidents, $50,000 for all injuries in a single accident, and $25,000 for property damage in one accident.  Senate Bill 153 would change the property damage in one accident limit to $15,000 rather than $25,000. 

Ohio’s current mandatory limits are 48th lowest in the United States. There are 28 other states that have already enacted the $25,000 and $50,000 liability limits.



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