Plan requires higher liability limits from auto insurance companies

A fatal car crash in Ohio has led two parents to push for a law requiring auto insurance companies to double the minimum property damage liability they offer clients.

The Newark Advocate newspaper reported this week that Bill and Terri Moats appeared before state lawmakers to push for the proposed changes. They are the parents of an 18 year old who was one of three people to die in an auto crash last June.

The bill could face some political opposition because it could result in a substantial increase in drivers' rates- although Ohio is said to have some of the nation's lowest insurance rates and liability minimums to begin with.

The report noted that the couple had been offered $2,500 from the insurance company in the case, despite having faced $77,000 in medical bills from their daughter's emergency treatment. Specifically, the proposal would require auto insurance companies to require minimum liability coverage of at least $25,000 per individual injury and $50,000 for all people in a single crash. The property damage liability would also reportedly be increased in the state to $15,000.

Other publications have also warned drivers to avoid having their liability limits set low in the event of a serious accident.

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