Ohio Automobile Insurance
Auto Insurance is designed to protect you from financial loss if you have an accident. Ohio law requires every driver to have Auto Insurance. Auto Insurance in Ohio must cover, at a minimum:
- Bodily injury up to $25,000 per person and $50,000 per accident
- Property damage up to $25,000 per accident
Types of Auto Protection
Without any sort of Auto Insurance in Ohio, you risk not only being financially accountable, but you may risk legal consequences as well. There are different types of protection for auto policies, such as:
- Collision, which covers damage to your car regardless of who is at fault in an accident
- Comprehensive, which covers damages or losses caused by something other than a collision, such as theft, vandalism or hitting animals.
- Medical payments, which pays for reasonable and necessary medical expenses regardless of fault for you and any passengers in your vehicle
- Uninsured/Underinsured Motorist Protection, which pays for your injuries if you are hit by a driver who does not have enough or any auto Auto Insurance Policy
Additional Protection
You may want to choose Auto Insurance with higher limits than the minimum limits required by Ohio law if your net worth is higher than the state minimum protection. There are also additional protections you can choose, such as:
- Rental Reimbursement Protection, which pays for the cost of renting a car while yours is being repaired due to damage covered by your auto policy
- Lease or Loan Gap Protection, typically provides protection to pay the difference if the amount owed on an auto loan/lease exceeds the actual cash value at the time of a covered loss.
- Auto Replacement Protection, reimburses for a total loss of autos up to 15 years with one model year newer and 20,000 miles less
- Roadside Protection, typically provides protection for labor performed at the initial place of disablement of an insured auto and for towing, subject to the limit in the policy declarations
- And more!
Automobile Insurance Features:
- Accident Forgiveness, allows customers to help protect their premium from accident surcharges or the loss of a discount due to a rate affecting accidents.
- Claim Satisfaction Guarantee, gives you credit towards your auto policy if you are unsatisfied with your claim
- Deductible Rewards, can reward customers with an additional $100 reduction amount for each 12-month experience period that an accident is not assigned to the policy, up to a $500 maximum on the Collision deductible
- Safe Driving Bonus, which can earn you cash back on your Auto Insurance policy every six month period based on no accidents.
Personal Auto Insurance
Finding the right Auto Insurance Policy for your situation can be tricky. You want enough protection to protect yourself financially if you are in an accident, but you also want to make sure you are not paying for more protection than you need.
In addition to all the other types of protection we have mentioned, we also offer more specific types of Personal Auto Insurance, such as Trailer and Camper Insurance! Click the link below for more information!
Contact Us
Speak with one of our associates about the protections available and those that make sense for you given your particular driving habits and needs.
Contact us at Zingale & Associates today for more information on our Auto Insurance Policy!
