Ohio Auto Accident Statistics & Insurance Coverage

by Dean Pavick on March 12, 2014

The Ohio Insurance Institute reports that in 2012 there were 11,840,362 registered motor vehicles in Ohio and 279,012 car crashes which translates into a ratio of 1 crash for every 42.4 registered vehicles.The crash frequency, as expected, was greater in areas of higher traffic density, such as seen in larger cities. For example, in Akron Ohio, the crash frequency was 1 auto accident for every 22 registered vehicles.Contrary to common belief, an Ohio driver was almost 4 times more likely to be involved in a traffic accident with personal injuries on a clear, good weather day than on a bad weather day with rain, sleet or snow covering the roads.

The Institute further reports that over an 8 year period, the percentage of drivers who were found to be uninsured and at-fault in Ohio car crashes was slightly below 4%. However, nearly 72% of the uninsured drivers in Ohio over the past 9 years involved in auto accidents were found to be at fault.The National Safety Council(NSC) statistics show that although people under the age of 25 only represent 13.2% of the U.S. population,they represent over 40% of all drivers involved in automobile accidents. Many of these drivers have low insurance coverage and very little assets. A higher than normal percentage of these drivers are uninsured.

Insurance experts generally recommend that a vehicle owner in Ohio purchase at least $100,000 per person/$300,000 per accident for bodily injury($100/$300) to protect assets and $100/$300 uninsured/underinsured motorist motorist automobile insurance coverage to protect against uninsured and poorly insured drivers who are more likely to cause automobile accidents and personal injuries. Ohio vehicle owners and drivers who carry good insurance coverage not only protect themselves but also provide the personal injury attorney with the means to help his/her client obtain fair compensation for injuries and damages caused by the accident.

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