To be able to drive each state requires that you carry liability insurance on your vehicle, but what if you don’t own a vehicle?
In insurance, each state has their own set of rules and regulations that insurance companies and drivers have to abide by. One rule that is the same in every state is that you have to carry at least liability insurance on your vehicle in order to be able to drive.
Not everyone that has a driver’s license owns a vehicle though and these drivers are handled differently state by state.
Specifically, in the state of Ohio you have to have insurance to drive, whether you own a vehicle or not. In addition, it is illegal to allow anyone that does not have insurance or is not listed on your insurance policy to operate your vehicle (Ohio Financial Responsibility Law).
If you are concerned about insurance coverage for a driver that does not own their own vehicle, contact a local insurance agent in your state.
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