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Ohio Driving and Traffic Laws

The traffic laws that guide the way you must drive are specific to each state. For those who must maintain Ohio car insurance, there are three subsections into which the state's traffic laws are classified: drinking and driving, basic traffic law infraction, and legal documentation to operate a vehicle. For most motorists, a considerable amount of time has passed since they have studied the Ohio's Driver's License Manual. This document is primarily used to study for the Ohio driver's license test. You will probably have forgotten much of its content. However, by brushing up on your knowledge, you can identify risky driving patterns that you may not be aware you engage in as those may influence your Ohio car insurance premiums. Self education about Ohio's local traffic laws will allow you to modify your behavior, and therefore, decrease the chances you may have of accumulating a ticket or being involved in a car accident. This, in turn, will reduce the rates you pay for your Ohio car insurance.

Laws That Impact Car Insurance

It is common knowledge that drinking and driving can be a costly mistake. It is specifically prohibited by Ohio state law for a motorist to drive, operate, or be in physical control of a car on public roads, interstates, or highways while under the influence of alcohol or other illegal substances. Even for a first offense conviction, you can be punished by a sentence of up to one year in jail and a thousand dollar fine. If you are convicted of a second offense in Ohio, you can be punished by a maximum of five years in jail and a five thousand dollar fine. The penalties for your third conviction can constitute a maximum sentence of ten years in jail and fines of up to five thousand dollars. You are considered to be unfit to operate a car if your blood alcohol content is over .08. The conviction for a DUI offense will add up six points to your driver's license record. This will cause your Ohio auto insurance rates to rise dramatically, and it may make it hard to maintain car insurance in the future. Car insurance companies will see such risky behavior as a threat to their funds. Thus they may decline providing car insurance.

In Ohio, there are four main offenses that can be fined by a ticket: speeding, running a stop sign, illegal u-turns, and leaving the scene of an accident. Under state law, local towns and municipalities, within their jurisdictions, retain the rights to determine the speed limit for their roads under their territory. As a motorist, you must obey the directions of every sign. If you choose to ignore the signs, you will be susceptible to the fines and other penalties of Ohio. This can include the revocation of your license and an increase in Ohio vehicle insurance rates.

If you are turning right, the approach and execution of the turn should be made as closely as possible to the right hand curb or edge of the highway. When making a left hand turn, the driver should approach an intersection or turn in the extreme left hand lane. The appropriate authorities are responsible for placing signs in an intersection marking what turns and maneuvers are allowed. You are required to obey such signs. Leaving the scene of a car accident in Ohio can conjure stiff consequences for a motorist. The driver of a car involved in an accident, that results in an injury or death, are required to report the accident to the police or nearest emergency services center. The motorist who fails to comply with this statue, albeit willfully, maliciously, or felonious, shall be guilty of a felony crime after conviction.

Ohio Car Insurance Cards and Other Required Documents

There are several pieces of documentation that a motorist in Ohio must carry with them in order to drive legally. The first and most important document you must have is your driver's license. For motorists who are caught driving a car on a suspended or revoked license, the penalties can be severe, especially if you are involved in a car accident. Ohio state law requires a minimum forms and monetary amounts of Ohio car insurance to be held by its motorists. These standards include minimum Bodily Injury Liability insurance limits of $12,500 per injured person up to a total of $25,000 per car accident, and Property Damage Liability insurance with a minimum limit of $7,500 . A motorist in can opt out of purchasing Ohio car insurance through a traditional provider by purchasing a certificate of self insurance. This requires a deposit of $35,000 dollars for insurance with Ohio's Department of Motor Vehicles.

The requirements for Ohio auto insurance will be different than other states. Each state has its own rules. Ohio car insurance is required in order to protect you financially. In accordance with state law, you are required to carry the minimum amount of Ohio car insurance. Depending upon the seriousness of the situation in which you are caught, your penalties will vary. It is upon the driver's shoulders to meet the financial responsibility laws regarding Ohio car insurance. Ohio automobile insurance is required for all vehicles that you own and operate. If a motorist, who is involved in a collision, cannot meet the burden of proof for financial responsibility within ten days of the accident, he or she can be subjected to the revocation of the license and registration of the motorist including the registration of all vehicles in the driver's name. In the event that you are caught driving with a revoked registration, the penalties are similar to those of being caught driving without insurance. In either case, your Ohio automobile insurance rates are going to be negatively impacted.

Additional Laws That Will Influence Ohio Car Insurance

Others infractions that can occur under state law include unlawful vehicle modifications, seatbelt violations, and mechanical violations. The definition of what state law considers being an unlawful car modification is somewhat hazy. However, it does include the barring of tampering with headlights, taillights, and turn signals. As motorists, you are also prohibited from modifying the mirrors or reflectors on an operating car. The consequences of such a violation are generally kept to fines, but can include the impoundment of your car. Seatbelts are also prohibited from being modified. Each motorist is required to wear his or her's seatbelt unless restricted by a medical reason. If you fall into this category, it will be noted on your driver's license. The laws that govern a state's motor vehicles are put into place to protect you, as well as other motorists who share the roadways with you.

If you have any questions regarding the traffic laws that govern Ohio's roadways, you can contact your local Department of Motor Vehicles. There are serious consequences that you can suffer for violating these rules and regulations in addition to seeing a rise in Ohio vehicle insurance premiums. These laws should never be violated and must be adhered to at all times. To violate these safeguards can mean placing your own life, or those of your friends and loved ones, into serious jeopardy.

[1] www.carinsurance.com Retrieved November 8, 2009

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