Ohio Revised Code

Ohio Rev. Code § 4509.51 (2026)

Requirements for owner's liability insurance

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Subject to the terms and conditions of an owner's policy, every owner's policy of liability insurance:

(A) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby granted;

(B) Shall insure the person named therein and any other person, as insured, using any such motor vehicles with the express or implied permission of the insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of such vehicles within the United States or Canada, subject to monetary limits exclusive of interest and costs, with respect to each such motor vehicle, as follows:

(1) Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident;

(2) Fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident;

(3) Twenty-five thousand dollars because of injury to property of others in any one accident.

Notes of Decisions
Cited in 27 cases (1 in the last 5 years), 1960–2025 · leading case: Bob-Boyd Lincoln Mercury v. Hyatt, 513 N.E.2d 331 (Ohio 1987).
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Bob-Boyd Lincoln Mercury v. Hyatt, 513 N.E.2d 331 (Ohio 1987). · cites it 16× “R.C. 4509.51 provides in pertinent part: “Every owner’s policy of liability insurance: * * “(B) Shall insure the person named therein and any other person as insured, using any such motor vehicle with the express or implied permission of the insured, against loss from the…”
Judy v. Ohio Bureau of Motor Vehs., 797 N.E.2d 45 (Ohio 2003). · cites it 4× “rwise subject to suspension, revocation, or disqualification, the registrar shall return the driver’s or commercial driver’s license or permit to the person upon the occurrence of all of the following: {¶ 8} “(1) A showing by the person that the person had proof of financial…”
State v. Uskert, 709 N.E.2d 1200 (Ohio 1999). · cites it 4× “otherwise subjefet to suspension, revocation, or disqualification, the registrar shall return the driver’s or commercial driver’s license or permit to the person upon the occurrence of all of the following: “(1) A showing by the person that the person had proof of financial…”
Brown v. Ohio Cas. Ins., 409 N.E.2d 253 (Ohio Ct. App. 8th Dist. 1978). · cites it 2× “(Section 4509.51, Revised Code.)” (Paragraph 2 of the syllabus.”
State v. Uskert, 85 Ohio St. 3d 593 (1999). · cites it 4× “t otherwise subject to suspension, revocation, or disqualification, the registrar shall return the driver’s or commercial driver’s license or permit to the person upon the occurrence of all of the following: “(1) A showing by the person that the person had proof of financial…”
Iszczukiewicz v. Universal Underwriters Ins., 182 F. Supp. 733 (N.D. Ohio 1960). · cites it 4× “In my view, it was the intent of the Legislature that the definition of “owner’s policy of liability insurance” appearing in § 4509.51 shou*d be applied to the term “automobile liability insurance” as found in § 4509.”
Globe Mut. Cas. Co. v. Teague, 237 N.E.2d 614 (Ohio Ct. App. 1967). · cites it 4× “” Bequirements for an owner’s policy are set out in Section 4509.51, Bevised Code, which says that the policy shall designate by specific description the motor vehicles covered and shall insure the person named therein, or others using them, as insured.”
Trolio v. McLendon, 211 N.E.2d 65 (Ohio Ct. App. 1965). · cites it 26× “The trial court, in rendering its decision in favor of plaintiff and against Allstate Insurance Company on the supplemental petition, relied on Section 4509.51, Revised Code, and Firestone Tire & Rubber Co.”
Frankenmuth Mut. Ins. v. Selz, 451 N.E.2d 1203 (Ohio 1983). “…affirmed. Celebrezze, C.J., W. Brown, Sweeney, Locher, Holmes, C. Brown and J. P. Celebrezze, JJ., concur. See R.C. 4509.51(B).”
Cont'l Ins. Co. v. Whittington, 1994 Ohio 362 (Ohio 1994). · cites it 2× “2 R.C. 4509.51 provides, in part: "Every owner's policy of liability insurance: "(A) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby granted; "(B) Shall insure the person named therein and any other…”
State Farm Mut. Auto. Ins. v. Universal Underwriters Ins., 383 S.E.2d 791 (W. Va. 1989). “" The Supreme Court of Ohio focused attention on its financial responsibility statute, Ohio Rev.Code Ann. § 4509.01 et seq. The omnibus clause requirements of that statute were made expressly applicable only to "motor vehicle liability policies].”
Dairyland Ins. v. Finch, 513 N.E.2d 1324 (Ohio 1987). · cites it 8× “) It is appellant’s position that the foregoing policy provision is violative of R.C. 4509.51, which is contained within the Financial Responsibility Act.”
Show all 27 citing cases →
Ohio Rev. Code § 4509.51(B): 6 cases
Bob-Boyd Lincoln Mercury v. Hyatt, 513 N.E.2d 331 (Ohio 1987). “R.C. 4509.51 provides in pertinent part: “Every owner’s policy of liability insurance: * * “(B) Shall insure the person named therein and any other person as insured, using any such motor vehicle with the express or implied permission of the insured, against loss from the…”
Frankenmuth Mut. Ins. v. Selz, 451 N.E.2d 1203 (Ohio 1983). “…affirmed. Celebrezze, C.J., W. Brown, Sweeney, Locher, Holmes, C. Brown and J. P. Celebrezze, JJ., concur. See R.C. 4509.51(B).”
Cont'l Ins. Co. v. Whittington, 1994 Ohio 362 (Ohio 1994). “2 R.C. 4509.51 provides, in part: "Every owner's policy of liability insurance: "(A) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby granted; "(B) Shall insure the person named therein and any other…”
Hammon v. McLaughlin, 452 N.E.2d 1277 (Ohio 1983).
Fazio v. Hamilton Mut. Ins., 106 Ohio St. 3d 327 (2005).
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