Auto Insurance

Cars cost money, and driving is a risky business. After all, you never know when you might have a wreck, whether a tree will fall on your car, or if someone will sue you because you ran into them at a stoplight.

Any of these scenarios might prove expensive, and anyone might feel overwhelmed by the costs. However, auto insurance will pay for many of these losses on your behalf. Your risk of a financial loss from driving hazards will be a lot lower, and you will have a much easier pathway to recovery.

There are numerous types of car insurance, and each applies to a different loss scenario that might arise following an accident. To build an adequate policy, consider buying:

• Liability Coverage
• Comprehensive Physical Damage Coverage
• Collision Coverage
• Uninsured & Underinsured Motorist Coverage
• Roadside Assistance & Towing Coverage
• Rental Car Reimbursement
• Personal Injury Protection (PIP)/Medical Payments Coverage

Ohio, like most states, requires drivers to buy certain auto insurance in order to drive legally. All policies issued statewide must contain at least the following coverage:

• $25,000 Bodily Injury/Death Liability Coverage per person
• $50,000 Bodily Injury/Death Liability Coverage per accident (two or more people injured)
• $25,000 Property Damage Liability Coverage per accident

Liability insurance is required because Ohio is an at-fault state, meaning drivers who cause wrecks must pay for the damage of all of those involved. Liability insurance enables the at-fault driver to pay third parties (other drivers, their passengers, pedestrians, etc.) for the damage and injuries they sustain.

Though you only legally have to carry the minimum liability coverage as required by law, we encourage all our clients to buy more expansive protection. Effective ways to improve your coverage include:

• Increasing your liability insurance limits.
• Adding physical damage insurance to your plan and increasing your coverage to pay for the car’s replacement cost if you total it.
• Carrying uninsured/underinsured motorist coverage to protect you from hit-and-run accident losses, or costs caused by at-fault drivers who don’t have appropriate liability insurance.
• Choosing damage deductibles that you can afford to pay out of pocket. Any claims that fall below your deductible cost will not have coverage.

Keep in mind that at times you might need specialty auto insurance, such as classic car insurance, Mexican auto coverage (for foreign travel), custom parts coverage and other unique benefits.

Also, if you finance your car, then your lender might require you to buy collision or comprehensive coverage to pay for physical damage to the vehicle.

Our agents are always happy to work with you to optimize your savings opportunities to keep your plan affordable. Just a few of the financial perks that your plan might offer include:

• Diminishing deductibles
• Minor violation forgiveness
• Accident forgiveness

Plus, we will compare the policy options of multiple insurers to find the ones that offer you the best discounts to keep your premiums easily in line with your budget.

If you ever find that you need to make a claim on your auto policy, then we’re here to make it easy on you. We’ll cut through the red tape and long wait times to personally walk you through the process of filing, supporting and receiving a settlement for your claim. Most of our plans offer comprehensive 24-hour customer service lines, and we’ll make sure you’re kept abreast of all the proper steps you need to take throughout the claims process.