While operating a CMV: Do you currently have car insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question While operating a CMV: Answers You must be wearing a seat belt. You are only required to wear a seat belt if other passengers are in the vehicle. You are not required to wear a seat belt. Explanation You must wear a seat belt at all times while operating a CMV. You are four more times to be thrown from your vehicle in the event of a crash if you are not wearing a seat belt.