Being sufficiently protected while you’re behind the wheel is one of the most important insurance decisions you make. Repairing or replacing a damaged vehicle can be very expensive, to say nothing of the potential medical and liability costs if people are injured.
Our goal is to present you with options and recommendations tailored to your particular circumstances, so that you never have to worry about the financial consequences of an auto accident. We’ll come up with a plan that minimizes premiums, but maximizes protection where you need it most.
Auto insurance policies are usually broken down into several different coverage areas. Some of them are required by law, such as Bodily Injury Liability, while others are optional. Here’s a brief rundown of the most common coverages:
- Bodily Injury Liability pays for injury to other people for which you are liable and is legally required in Ohio and many other states.
- Property Damage Liability pays for damage to the property of others for which you are liable. This is also mandatory in Ohio and most other states.
- Medical Payments, an optional coverage, pays medical, surgical, and/or funeral expenses incurred by you and/or passengers in your auto in the event of an accident.
- Physical Damage coverages pay for damage to your auto in either “collision” or “other than collision” situations. “Other than collision” is also sometimes called “comprehensive” and includes things like fire, theft, vandalism, glass breakage, weather-related damage (wind, hail, flood) and damage caused by animals (being struck by a deer, for example). These coverages will be mandatory if a car is financed or leased and a deductible will almost always apply.
- Uninsured/Underinsured Motorist, an optional coverage, pays for bodily injury to you, and in some cases damage to your auto, caused by a motorist who is uninsured or underinsured (does not carry enough insurance).
- Rental Reimbursement, an optional coverage, pays for your rental car expenses while your car is being repaired for a covered loss.
- Towing and Labor, an optional coverage, reimburses you for specific roadside assistance and towing expenses.
- Extended Non-owned Auto Liability, an optional coverage, pays for specified coverage gaps that exist when operating a non-owned vehicle (such as an employer-provided car).
For more information on auto insurance, please contact us at (330) 725-4543 or fill out our contact us form.