Collision - is for damage to the policyholder's car from a collision. The collision could be with another car, a light pole, tree, fence, etc. Comprehensive - is for damage to the policyholder's car that doesn't involve a collision. Underinsured motorist coverage can be included in an automobile policy. Each state requires that you have certain types of coverages with minimum liability limits.
Higher limits are available and recommended.
Ohio does not require insurance, but drivers must prove that they can meet the liability requirements if they do not have insurance. The first two figures refer to Bodily Injury Liability limits and the third figure refers to Property Damage Liability.