OHIO AUTO INSURANCE GUIDE
Ohio Rideshare & Transportation Network Coverage
Ohio rideshare insurance changes according to app status and whether the driver is engaged in TNC services. Current law requires distinct liability coverage during waiting and ride periods.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and the transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Analyze waiting-period and ride-period liability and any applicable UM/UIM coverage.
Publication review note — September 17, 2026. Verify current R.C. 3942.02 requirements and policy language before publication.
VictimsGuide 