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Is gap insurance required in Ohio?
I’m going to purchase a new vehicle, but I’m also well aware that I need to budget for car insurance. The loan officer is pushing gap insurance pretty hard, but I’m not sure if I need it. Does Ohio legally require gap insurance for car loans?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You shouldn’t cave to a pushy loan officer, as
gap insurance
isn’t required by law in Ohio
. However, he or she may be pushing gap insurance due to a few other circumstances—particularly if you don’t have a ton of disposable income.Gap insurance pays the difference between the loan balance and the actual cash value of your car if your car is totaled in an accident. So unless you have the money to pay the difference out of pocket, gap insurance might be a good investment.
Whenever you take out a car loan, your lender will require you to have
full coverage car insurance
, but that doesn’t mean you have to spend a fortune. Download the Jerry
app to compare quotes and get the best rate for your coverage needs.Jerry is a licensed insurance broker and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year on car insurance.
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- Gregory R.
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