Clerk of Courts - Ohio Financial Responsibility Law If You Don't Have Vehicle Insurance, You Can't Drive in Ohio! In Ohio, it is illegal to drive any motor vehicle without insurance or other financial responsibility (FR) proof.  It is also illegal for any motor vehicle owner to allow anyone else to drive the owner's vehicle without FR proof. Section 4509.101 of the Ohio Revised Code prohibits an individual from operating a motor vehicle in Ohio without maintaining proof of FR continuously throughout the registration period with respect to that vehicle, or, in the case of a driver who is not the owner, with respect to that driver's operation of that vehicle.  The law requires financial responsibility in the minimum amount of $12,500 for bodily injury to or death of one (1) individual in any one (1) accident, $25,000 for bodily injury to or death of two (2) or more individuals in any one (1) accident, and $7,500 for injury to the property of others in any one (1) accident. For more information please go to www.bmv.ohio.gov General Information phone number for the Ohio Bureau of Motor Vehicles 614-752-7500 or 614-752-7600

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