Car accidents leave people with serious injuries, and sometimes are so serious that they are fatal. Rather than paying for one’s own damages, this type of insurance pays for damages that the policyholder causes to others in crash, be it damage to vehicle or injuries to another person. This requirement is based in Ohio’s at-fault insurance system, which holds that drivers who cause accidents are responsible for paying for them. This means that if you are involved in crash caused by the negligent, careless, illegal, or reckless actions of another, that party is responsible for paying for damages, typically via their liability insurance policy. In the same vein, if you cause crash, your liability insurance policy will be responsible for
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