The Uninsured Tax: Why Ohio’s HB 596 is a Policy Failure

Terry McCarthy — Fri, 20 Mar 2026 09:27:30 +0000

Nearly 1 in 5 drivers on Ohio roads has no insurance—18.5% according to the latest 2025 Insurance Research Council data. While House Bill 596 is marketed as a “safety net,” a technical analysis reveals it to be a “compliance tax” that penalizes the responsible to subsidize the lawless. It is a lazy effort that refuses to confront the root of the problem. As an agency owner…

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The Bundle Trap: Is Your “Multi-Policy Discount” Hiding a $15,000 Participation Gap?

Terry McCarthy — Fri, 20 Mar 2026 09:24:33 +0000

The High Price of "Saving" 15%. • The Lure: Big-box carriers offer "Bundle and Save" deals to win your business with a low monthly premium. While the savings are attractive, they often hide significant risks. • The Trap: To reach that lower price point, you may inadvertently accept Actual Cash Value (ACV) coverage and a 1%–2% Wind/Hail deductible—sometimes both. This is where a professional agent is vital. • The Reality: You might save $300 a year on premiums, but the hidden trade-off is that you could owe $10,000–$15,000 more out-of-pocket when a Southwest Ohio storm hits. • The Solution: At InsurSmart.com, we bring this "Participation Gap" front and center to guard against Bundle Blindness, ensuring a "discount" doesn’t become a massive liability.

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The Uninsured Tax: Why Ohio’s HB 596 is a Policy Failure

The Bundle Trap: Is Your “Multi-Policy Discount” Hiding a $15,000 Participation Gap?