Quote:
Originally Posted by wdfifteen
Ohio requires that I insure people and property that I might cause a loss to when I'm driving my car.
The state does not require that I insure my car.
If I were to self-insure for liability I expect the government would require that I show my ability to cover million dollar medical bills.
One thing I have never understood is why each if my cars needs liability insurance. The car isn't responsible for my driving.
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I think I can answer that. For one, you have several cars and while you can only drive one at a time, others may drive one of your cars and you are insured under your policy, not necessarily theirs. And there could be a considerable difference in coverage amounts.
Also, cars occasionally can do damage without your doing. It could roll down hill if something broke, got hit and then hit something or someone, or caught fire.
They say that in a multiple rear end collision the last person to hit, or the person that hit a car which in turn hit another, pays the bills. IDT it always works out that way. That is OT to this thread, but I thought I'd mention it.