One family supporting the change said the minimum insurance levels did not even come close to helping after an accident, 10TV's Kurt Ludlow reported.

Nicole Moats and two friends died in a two-car crash on Father's Day last year. No charges were filed in the crash.

The driver of the Saturn in which Nicole was a passenger had the state minimum insurance coverage, which provided just $25,000 to be split by all the victims.

"I know that the total medical bills for the four victims in the Saturn is in excess of $410,000," said Nicole's father, Bill Moats.

Within days of Nicole's death, the phone started to ring.

The bill collectors were on the line.

"I understand there are bills and they need to be paid," said Nicole's mother, Theresa Moats. "But when you're still dealing with the grief of losing your daughter, and her two friends, it's just difficult."

Had Nicole not turned 18 the week before the crash, her parents would have been responsible for tens of thousands of dollars in bills. This is why they are testifying Wednesday on behalf of a bill doubling Ohio's minimum insurance rates.

Insurance companies oppose the change, saying the higher cost will lead to more uninsured drivers on the road.

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