Back in the days before Ohio law required everyone to carry minimum car insurance, one of the reasons the change in law was promoted was to make it cheaper for all of us in Ohio to carry insurance. The belief was that if everyone was covered that the cost would drop. This of course does not appear to have happened, which has continued to create a scenario where some people feel as if they can not afford Car Insurance so Ohioan's still have to have uninsured motorist coverage.
We learned the hard way that even if you have uninsured motorist coverage, if you do not pay for collision damage if your car is destroyed by an uninsured motorist you basically have no coverage. While the state has increased the dollar amount charged for those caught not having insurance have to pay to reinstate their licenses, all this has done is create a scenario where people are driving not only without insurance coverage but on suspended licenses.
The lesson in all of this is, carry insurance and make sure you take advantage of the ability to compare policies online so that you can save as much as you can save. It is much more expensive in the end if you are caught without insurance and a license...
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