Alan Galvez Insurance
What is Ohio auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Why do you need Ohio auto insurance?
It's really all about protecting yourself financially.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
What are the main parts of an Ohio auto insurance policy?
Bodily injury Liability
If you injure someone in a car crash for which you are legally to blame, this coverage pays for the injuries (including death) and the cost of legal defense, if necessary.
Property Damage Liability
If you damage someone else's property due to a car crash for which you are legally to blame, this coverage pays to repair the damage.
Pays for medical, hospital or funeral expenses for you and others injured or killed while riding in your car, regardless of fault. It also covers you and family members if struck by a car as a pedestrian or if riding in another car.
Uninsured Motorists/Underinsured Motorists Bodily Injury Liabiity
Pays for injuries to you or your passengers when hit by someone who does not have auto insurance (uninsured).
Pays for injuries to you or your passengers when hit by someone who does not have ENOUGH auto insurance to pay for your injuries (underinsured).
Comprehensive Coverage (Other than Collision)
Pays for damage to your car due to glass breakage, contact with an animal, theft, fire, explosion, falling objects, vandalism, flood and earthquake.
Pays for damage to your car due to overturn or upset or collision with anything other than an animal.
Uninsured Motorists Property Damage
Pays for damage to your car when involved in a crash with at at-fault uninsured motorist (note- not available if you have collision coverage, as collision would work in a similar fashion).
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)