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Having liability insurance is the easiest way to comply with the state’s financial responsibility law. The minimums include $50,000 for injuries or death to two people or more in one accident, and $25,000 for property damage.
The minimum car insurance requirements in Ohio will only protect your liability, but they won’t cover your medical payments or damage to your car. An accident isn’t the only way your car can get damaged, so if you want to protect the investment you have made in your car, then you should have additional insurance. Collision insurance will help cover any damages to your vehicle that are caused by an accident. Comprehensive coverage will pay for any damages to your car that aren’t due to an accident. This can include weather, theft, or vandalism.
Even though insurance is required, there is still the chance that you could get into an accident with someone who doesn’t have insurance or enough insurance. In these instances, uninsured and underinsured coverage will be helpful to pay for damages. While you are not required by law to have any of this additional coverage, you may be required to have this insurance if you are leasing or have a loan on your car. For example, your lender may require you to have comprehensive and collision coverage.
If you want to repair your car after an accident, then you should have comprehensive and collision coverage. Ask an agent at Greater Cincinnati Insurance Services in Cincinnati, OH about policies with higher deductibles, since this will help lower your premium. Since it’s not required in Ohio, you likely don’t need to have personal injury protection if you are covered by a health insurance policy. Consider purchasing extra liability insurance if you have a lot of assets. You want to make sure you are covered for the total value of your assets.
Contact Greater Cincinnati Insurance Services, serving Cincinnati, OH, to get a quote on auto insurance.