Auto Insurance in Ohio
Auto Insurance Requirements for Ohio Drivers
In order to show financial responsibility in Ohio, carrying liability insurance is common. To comply with the law, you must have a total of $50,000 of insurance for injuries or death per accident and $25,000 per person. There must also be $25,000 of coverage for property damage in an accident.
Should You Have More than the Requirements?
The minimum requirements will protect you if you are sued due to an accident, but that won’t help you much if you need to repair your car or if you have medical bills. The minimum requirements may not even be enough in the event of a severe accident. In order to stay protected, you can increase your liability coverage and purchase additional optional car insurance in Plain City, OH.
Collision coverage will help cover accident-related damages to the car. Comprehensive coverage will include damage to your vehicle that isn’t related to an accident. Uninsured and underinsured coverage will help pay for damages that are due to an accident with someone who doesn’t have enough insurance or not enough insurance. Contact an agent at Smucker Insurance Agency, Inc. to help decide which coverage makes sense for your unique situation. You may be required to have comprehensive and collision coverage if you have a lease on your car, or if you are paying it off.
What You Need for a Car Insurance Quote
In order to get a quote for car insurance, you need to know what type of car you drive and roughly how many miles a year you drive. Have a record of your driving history that includes any accidents or moving violations. You need to know who will be driving your car so that they are also listed on the policy. This includes your teenagers. It’s also good to know if there have been any gaps in your car insurance coverage.
Contact an agent at Smucker Insurance Agency, Inc., serving Plain City, OH, to get a quote on car insurance.