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Columbus, OH 98765

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Ohio’s Hands-Free Driving Law and Your Auto Claim

Since April 4, 2023, holding or using a phone while driving has been a primary offense in Ohio, which means an officer can pull you over for that reason alone. The six-month warning period ended in October 2023, and citations are now part of everyday traffic enforcement around Columbus. Ohio’s version of a hands-free law has a few twists that surprise drivers, and those details can matter after a crash.

What Adult Drivers Can and Can’t Do

Generally Allowed for Drivers 18 and Older Generally Not Allowed While Driving
Speakerphone, earpieces, and vehicle Bluetooth systems Typing or sending a text by hand
Holding a phone to your ear for a call started or ended with a single touch or swipe Dialing a phone number by hand
Using a phone while stopped at a red light or parked Browsing social media or the internet
Navigation or music started before driving, or adjusted with a single touch Watching, recording, or streaming video
Calling to report an emergency Video calls

Stricter Rules for Teens

Drivers under 18 can’t use a phone at all while driving, even in hands-free mode.

Where the Law Meets Your Auto Claim

Can phone use affect fault?

Yes. Evidence that a driver was using a phone at the time of a crash can weigh heavily in fault decisions. Under Ohio’s modified comparative fault rule, a driver found more than 50% at fault generally can’t recover damages from others.

Does a citation change my coverage?

A distracted driving citation doesn’t usually change how your current policy responds to a covered claim, but violations can affect how insurers view a driver over time.

What coverage helps most?

Liability protects others if you’re at fault. Collision repairs your car regardless of fault, and uninsured motorist coverage can help when a distracted driver who hits you lacks enough insurance.

Solid Insurance in Columbus, OH can review your auto insurance and help families with new drivers. Policy terms vary. Drivers across Columbus, OH and Central Ohio can reach out to Solid Insurance or browse our insurance blog.

Why Ohio Drivers Should Consider Coverage for Pothole Damage on Busy City Streets

Potholes are a frustrating reality for drivers in Columbus, OH. From cracked roads to deep craters, these hazards can cause serious damage to your vehicle. But did you know that your auto insurance could help cover the costs? At Solid Insurance, we’re here to explain why collision coverage is a smart choice for Ohio drivers navigating busy city streets.

Why Potholes Are a Big Problem in Columbus

Columbus roads, especially in high-traffic areas like High Street and Broad Street, are notorious for potholes. Winter freeze-thaw cycles and heavy vehicle use create the perfect conditions for these road hazards to form. Unfortunately, hitting a pothole can lead to costly repairs, including:

  • Blown tires
  • Cracked rims
  • Suspension damage

How Collision Coverage Can Help

Collision coverage is your safety net for pothole-related damage. If your car is damaged after hitting a pothole, this type of insurance can help cover repair costs. Without it, you could be left paying out of pocket for expensive fixes.

Do You Have the Right Coverage?

Not all auto insurance policies include collision coverage, so it’s important to check your policy. At Solid Insurance, we specialize in helping Columbus drivers find the right protection for their needs. If you’re unsure about your coverage, we’re here to help.

Quick Tips to Avoid Pothole Damage

While insurance can help, prevention is key. Here are three simple ways to protect your car:

  • Stay alert: Watch for potholes on busy streets.
  • Slow down: Reduce your speed to minimize impact.
  • Check your tires: Proper inflation can prevent damage.

Contact Solid Insurance Today

Don’t let potholes drain your wallet. At Solid Insurance, we help Columbus drivers find auto insurance policies that include collision coverage for unexpected road hazards. Contact us today to review your policy and stay protected on the road.

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