❌ HB595
Require vehicle insurance to include uninsured motorist coverage
Current Status: In House Committee (Insurance)
Summary
The bill mandates that all motor vehicle insurance policies in Ohio must include uninsured motorist coverage. This requirement applies to policies delivered or issued for vehicles registered or principally garaged in the state. The bill outlines definitions for uninsured and underinsured motorists and specifies conditions under which coverage applies.
Rationale
The bill imposes a mandatory requirement for insurance coverage, which conflicts with the Libertarian principles of individual choice and minimal government intervention in personal and economic matters. Both the LP and LPO platforms advocate for personal responsibility and freedom from government mandates, leading to low alignment scores.
Risks and Concerns
- Increases government control over personal insurance choices
- Reduces individual freedom to choose insurance coverage
- Potentially raises insurance costs for consumers