Being adequately protected while you are behind the wheel is one of the most important insurance decision you make. As you know, Ohio’s state minimum limits require drivers to carry coverage for bodily injury and property damage liability that provides up to $25,000 for each person injured in an accident, with a total of $50,000 to be paid to all injured persons and $25,000 for property damage to others per accident. There is a very good chance that this will not be sufficient coverage if you are involved in an accident. Accident costs can add up quickly when you consider the cost of repairing or replacing a vehicle and the potential medical and liability costs if there are injuries in the accident.
In order to be adequately protected, Ohio drivers should consider additional coverages, as well as increasing liability limits above the state minimum. For example, collision coverage pays to repair damage to your car caused by collision with another vehicle, rolling over, or contact with a stationary object whether you are at fault or not. Comprehensive coverage pays for a wide range of non-collision losses to your car such as theft, glass breakage, vandalism, fire, flood, explosion, hail, hitting a deer, etc. Uninsured/under-insured coverage pays the amount you are legally entitled to recover if you and/or your family members or other passengers are injured by an uninsured driver or a driver with insufficient coverage. There are a host of other optional coverages that Ohio drivers should consider in order to be adequately protected and our team of personal lines specialists will work with you to determine the coverages that are right for you.
Please contact us, or submit a quote form to request a free no-obligation quote. *A quote request does not effect your credit score.* Our personal lines specialists will work with you to identify your needs and pinpoint your areas of risk to ensure you have the best combination of price, coverage and service. Because we specialize in insurance for families, we identify your needs and can deliver at a time when you need it most.