Like many types of insurance, auto insurance is not one size fits all. Having an independent agent who knows you and your financial situation is vital for a perfect fit. Most states have minimum auto insurance requirements, but those minimum amounts aren’t right for everyone. At Meiners Insurance in Avon Lake, OH, we take the time to get to know our clients to make recommendations for coverage that makes sense.
In Ohio, it is illegal to drive a car without auto insurance, and as the owner, it is your responsibility to make sure if your vehicle is uninsured, no one drives it. The mandated amount of liability insurance is $25,000 for injuries for a single person with a max of $50,000 per accident. Property damage is also $25,000. While this may sound like a lot of money, given the expense of hospital stays and automobiles, it is very limited. If your insurance is not adequate to pay all the medical bills or lost wages, you are responsible for covering the additional amount. Making sure you have more than basic liability is worth discussing with your insurance agent.
If your vehicle is necessary for your life, you need to make sure if you are in an accident and are responsible, your vehicle will be repaired. This means having collision insurance. But car accidents aren’t the only thing that can damage your car. A storm or a fire could damage your vehicle. It could get stolen. Comprehensive insurance protects you from these types of damage as well as providing glass coverage. When you need your vehicle every day, you need enough auto insurance.
Contact Meiners Insurance in Avon Lake, OH if you are in the market for auto insurance or you need to make some changes to the coverage you have.