If a Thief Crashes Into Another Driver, Does My Insurance Protect Me?

Posted on April 30, 2025April 21, 2025 by admin

Theft is a concern that often comes to mind when it comes to vehicles. We invest in top-notch security for our vehicles, take care to park them in areas where they are less likely to be stolen, and avoid areas known for vehicle theft. However, we should also consider how well our insurance policies protect us from incidents like theft. For instance, if someone stole your car and then crashed it into another driver on the road, who would be responsible? Learn more about the intricacies of theft and car insurance with the team here at Meiners Insurance in Avon Lake, OH.

Am I Covered If a Thief Crashes My Vehicle Into Another Person?

The thought of a thief not only stealing your vehicle but wrecking it and potentially harming another can be distressing. If this should happen, the first piece of good news is that your car is most likely covered. As long as you have comprehensive coverage, your insurance will cover it to ensure that you’re not responsible for another person’s reckless actions. Liability can be a bit more complex. You may not be covered should another person get injured by the thief. Fortunately, that may not be a problem. If they do crash into another driver with your car and injure them, it will likely be the driver’s insurance or the thief’s insurance that will step in and pay for the physical damage done. Unless you knowingly lend your car to someone who is unreliable or uninsured, you should have no problem if your car is involved in an accident and you had no control over it.

Maintain Your Assurance With Meiners Insurance

Protect your vehicle and yourself with the help of Meiners Insurance in Avon Lake, OH. Get in touch with us today to compare quotes and begin your auto insurance journey!

Types of commercial insurance that most businesses need

Posted on March 28, 2025March 22, 2025 by admin

Owning any business comes with risk. Commercial insurance aims to mitigate as much of the risk as possible. This requires us to get to know our customers and their businesses to assess their risk levels. Our team at Meiners Insurance in Avon Lake, OH, has the experience you need to get a personalized commercial insurance policy that matches your business.

Commercial Liability Coverage

One of the most critical forms of commercial insurance that most businesses can benefit from is commercial liability coverage. The risk of being sued is extremely high. Over their lifetime, 90% of businesses will be sued. Every year, about one in three businesses will be the target of legal action. About 40% of those will be brought by employees or former employees. The cost of defending yourself can be very high, and having commercial liability is an absolute necessity to maintain the financial viability of your business.

Commercial Property Coverage

Commercial property coverage is a combination of the physical property where your business is located and the contents of the building. This makes it valuable coverage for both building owners and renters. It provides coverage for fire, theft, and vandalism, among other things. Different businesses will have different content that needs covering. A manufacturing business will have machines and tools, raw materials, and inventory. If you are an accountant, you will have office equipment, electronics, and records.

Workers’ Compensation Insurance

The state of Ohio mandates that all employers with one or more employees provide them with workers’ compensation coverage. This protects your employees, but it also protects you as the employer.

In Avon Lake, OH, our team at Meiners Insurance will work with you to ensure you get what you need and don’t pay for things you don’t need.

Does Classic Car Insurance Cover Parts and Labor?

Posted on February 28, 2025February 20, 2025 by admin

A significant distinction between a classic car and an ordinary car is the frequent need for maintenance in the former. Moreover, it may require special parts or even tools that are no longer readily available in the market. Even something as simple as a hand-cranked window regulator might require an online search. The expertise to fix one of these is typically limited to specialists and a few seasoned mechanics; their skills don’t come cheap. So, can classic car insurance help mitigate this expense?

Specialized Repair and Restoration Coverage

For some, the repair and restoration process is part of the enjoyment of owning a classic car. If you want to keep your hobby from becoming too costly, you might want to ensure your policy includes specialized repair and restoration coverage. This coverage will bear the cost of the repairs needed to maintain the value and authenticity of your vehicle. You may also want to look for spare parts and tool coverage. These items are essential for the upkeep of a classic car, and this coverage will assist you in affording them. Remember to keep those receipts!

Contact Meiners Insurance Serving Avon Lake, OH

Finding the parts needed to repair or restore a classic car can be challenging, but insuring one doesn’t have to be. If you live in the Avon Lake, OH, area and want to insure your classic car, please get in touch with Meiners Insurance. We will connect you with a knowledgeable agent who can help you get the policy and coverage that best suits your unique needs.

The Type of Insurance Needs For Recreational Vehicles

Posted on January 31, 2025January 23, 2025 by admin

Recreational vehicles are excellent for fun-filled, extended trips away from home. However, every owner should consider how their investment will impact their insurance needs. The team at Meiners Insurance in Avon Lake, OH, can help you determine the type of insurance required to protect your recreational vehicle.

Ohio Insurance Requirements For Recreational Vehicles

The specifics of recreational vehicle insurance requirements vary from state to state. Ohio state law mandates that all recreational vehicles, whether motorized or self-powered, must have liability coverage on their insurance policy. This coverage is similar to auto liability insurance. Recreational vehicle liability coverage offers compensation for damage and injuries caused to others involved in an accident with the vehicle. It covers medical costs, including hospital stays, surgery, and rehabilitation, and lost wages due to absence from employment. Also included in the liability coverage is all repairs or possible replacement of the other party’s vehicle, home structure, or other personal property. The coverage protects you from financial ruin if you are found to be at fault for the accident.

Why Your Recreational Vehicle Needs Collision Coverage

The importance of collision coverage on your recreational vehicle policy is quite significant. It offers to cover all repairs to your recreational vehicle regardless of who is at fault for the accident. Your claim will not be contested even if the cause of the accident is hitting an immovable object, another vehicle, or your personal property. Policyholders are compensated for all repairs to your recreational vehicle, as the cost can be quite expensive.

If you are unfamiliar with recreational vehicle insurance and the type of coverage needed to protect your investment, contact Meiners Insurance in Avon Lake, OH. Our staff can create a policy that best fits your insurance needs. Call and schedule an appointment today.

What Happens If You Can’t Use Your Rental Apartment Due To Fire or Water Damage? Renters Insurance Can Help

Posted on December 23, 2024December 19, 2024 by admin

Damage to your living quarters can occur at any time. Even if you are a careful renter, an unexpected fire or water damage from an adjacent apartment can encroach on your own space, causing significant damage that prevents you from living there. Your renter’s insurance policy can help defray alternative housing costs while your apartment is being repaired and restored. At Meiners Insurance in Avon Lake, OH, we help our clients acquire renters insurance to cover emergency living expenses.

Dealing with Unexpected Incidents in Your Rental Apartment

A cooking fire or burst pipe can cause sufficient damage to your apartment to prevent you from using the property for a period of time. A hazard can even start in another apartment and then spread to your own, causing damage. These incidents can lead to the need to find alternative housing while repairs are being made.

Renters Insurance Provides Coverage for Alternative Housing

When you have renters insurance, you can receive funds to defray the cost of another lodging while your apartment is under restoration. This coverage can help defray the cost of finding temporary housing when you most need it.

Choose Meiners Insurance for Your Renters Insurance Coverage

If you are unfamiliar with renters insurance and how it can defray unexpected costs associated with your rental housing, our experienced agents can provide detailed answers to your questions. We offer a wide range of insurance products, including home, auto, RV, life, watercraft, and business insurance. Contact Meiners Insurance in Avon Lake, OH, today for a no-obligation quote on renters insurance that can help cover the cost of alternative housing when unexpected damage occurs.

RV Insurance – Coverage for Items That Will Be Towed

Posted on November 25, 2024November 20, 2024 by admin

Are you going to attach a tow bar and hitch to your RV during your next road trip? If so, you may need specialized insurance to protect your RV, towing equipment, and cargo.

Towing Risks

When actively towing, you are increasing the workload that your primary vehicle is responsible for. The additional weight, plus the presence of the towing equipment, may increase your risk of being involved in an accident.

Your primary vehicle could sideswipe another vehicle, and towing equipment can become disconnected, causing damage. Towing insurance coverage designed for RV owners provides protection whenever a vehicle or RV equipment is being towed.

Towing Preparations

Decide which equipment you will be using for towing purposes. Inspect the equipment, ensuring that it is damage-free. Consider the value of the towing equipment and the item or items that will be towed behind your vehicle.

You can obtain towing insurance that will cover all the essential items that are necessary for towing. You can also obtain coverage for your RV and the actual item that will be towed behind it.

For example, you may decide to tow a snowmobile or four-wheeler behind your RV. If you are going to be using a trailer for towing purposes, you may want to seek insurance coverage for your RV, the trailer, and the piece of recreational equipment that you will be towing.

You may also want to insure the tow bar, the hitch, and other towing equipment. If you are involved in an accident, your coverage may pay for repairs.

Contact An Insurance Agent in Avon Lake, OH

At Meiners Insurance, one of our insurance agents will assist you with updating your RV insurance policy. Set up an appointment to obtain the towing coverage that you need.

Your Boat Insurance Liability Coverage Is Important If You Frequently Have Guest On Board

Posted on October 21, 2024October 18, 2024 by admin

Boating with family and friends creates wonderful memories for everyone, but sometimes, guests may be careless about safety and can become injured during the excursion. Your liability coverage can be important to defray the cost of any legal cases that can result from an unexpected boating mishap. At Meiners Insurance in Avon Lake, OH, we offer boat insurance for Ohio boaters.

Accidents Can Occur When You Have Inexperienced Boaters On Board

You may invite guests who don’t have experience being on a craft. Guests may have so much fun that they forget to be careful about hazards on the boat, such as propellers, unsteady ladders, protruding cleats, or other objects. Accidents can occur that can lead to lawsuits. That’s where your liability coverage can step in to help avoid expensive losses.

Safe Boating Is A Learned Habit

Inexperienced guests may not know about common hazards they might encounter while boating. The boat owner is responsible for monitoring their guests’ behavior and educating them about safe boating practices so accidents don’t occur. When an incident does happen, your boat insurance liability coverage can cover the cost of lawsuits and other relevant expenses.

Make Meiners Insurance Your Choice For Boat Insurance

If you have questions about liability coverage in your insurance policy, our experienced agents can provide in-depth information to put your mind at rest. We offer many types of insurance policies, including home, auto, renters, life, and business insurance. Contact Meiners Insurance in Avon Lake, OH, today for a no-obligation quote on boat insurance that can protect you against liability for accidents to guests on board.

Is Ohio One of the States that Requires Motorcycle Insurance?

Posted on September 30, 2024September 26, 2024 by admin

Is Motorcycle Insurance Mandatory in Ohio?

Yes, motorcycle insurance is mandatory in Ohio. Unlike previous times when not all states obliged motorcycle owners to have insurance coverage, Ohio was not included in the exemption. Thus, procuring insurance is a requisite before hitting the highways and byways in Ohio.

The minimal requirement in Ohio requires owners to have liability insurance, with at least $25,000 coverage per person for bodily injuries sustained in an accident.

Purchasing additional coverage like collision and comprehensive insurance is optional.

Other Motorcycle Insurance Coverage Options in Avon Lake, OH

Besides the basic coverage, several other types of motorcycle insurance options are available in Avon Lake, OH. These include coverage for personal belongings and other items carried on the motorcycle.

Roadside assistance is always a wise investment, whether you use your motorcycle for commuting, everyday errands around town, or leisurely highway rides to vacation destinations.

Medical payment coverage for both the driver and the passenger is another optional insurance coverage to consider.

Inquire with your agent about total loss coverage and the specific scenarios the insurance covers.

Insurance Coverage: Before or After a Motorcycle Purchase

If you plan to purchase a motorcycle in Ohio soon, you are allowed to buy the bike before acquiring the required liability insurance coverage. However,

Like motorcycles, scooters must also be registered and insured in the state. On the other hand, mopeds do not require liability insurance.

Please note that you cannot operate the bike without proof of active liability insurance.

Contact Meiners Insurance Today

At Meiners Insurance, we are committed to helping you secure the necessary insurance coverage to legally operate your bike in Ohio. Call us today to ensure a safe ride tomorrow.

When should you get umbrella insurance in Ohio?

Posted on August 30, 2024August 22, 2024 by admin

Liability risks should always be taken seriously when you are in the Avon Lake, OH, area. As personal liability risks will always exist, it is always a good idea to ensure you can mitigate this risk. One of the ways you can do this is by investing in a full umbrella insurance policy. There are a lot of situations when it would make sense to get this type of coverage here.

When Trying to Reduce Financial Risks

A primary situation when you will want to have an umbrella plan is when you are trying to reduce your financial risks. If you have significant assets, you could be more at risk for a liability claim than others. The judgment or settlement can be substantial if you are found liable for an accident. If you have an umbrella plan, you will have the support you need to protect your financial assets.

When at Higher Risk

Having an umbrella plan is also a good idea if you are at a higher risk for a claim. Depending on your situation, you may be more likely than others to be liable for damages. Examples of this include being a public figure and at risk for libel or slander. Umbrella insurance is a great option in these situations.

It is always crucial that you are adequately covered with an umbrella plan when you are in the Avon Lake, OH, area. This is a great way to manage your personal liability risks. As you are looking for a new plan here, it would be wise to call our team with Meiners Insurance. Our professionals with Meiners Insurance will give you any help you need to build a new plan that will meet your needs.

What Types of Water Damage is Covered in Condo Insurance

Posted on July 30, 2024July 25, 2024 by admin

Condo insurance, or HO-6 insurance, provides essential coverage for unit owners around Avon Lake, OH. Understanding the various types of water damage covered under condo insurance and what is covered is crucial before filing a claim.

Sudden and Accidental Water Damage

Condo insurance typically covers sudden and accidental water damage, including damage from burst pipes and unintentional overflows from household appliances. If a pipe bursts unexpectedly, causing water to damage your walls, floors, or personal belongings, your condo insurance will likely cover the repair costs and replacement of damaged items.

Damage from Plumbing Issues

Water damage from faulty plumbing, such as a broken pipe or malfunctioning system, is generally covered. For example, if a pipe in your bathroom bursts and floods your unit, your policy would typically cover the damage to your personal property and the interior of your condo. However, maintenance and repairs for the upkeep must remain habitual.

Water Damage from Fire Suppression

If water damage occurs due to extinguishing a fire in your condo, this would be covered by your insurance. For instance, if firefighters need to use water to extinguish a fire, the subsequent water damage to your unit and belongings would be included in your policy’s coverage.

Limitations and Exclusions

It is important to note that condo insurance may not honor every type of water damage. Flood damage from natural disasters like heavy rainfall or storm surges is typically excluded and requires separate flood insurance. Additionally, damage from sewer backups or overflows may not be covered unless you have added specific endorsements.

Meiners Insurance Is There For You

Meiners Insurance is here for you when you need insurance information. Our services are available at the Avon Lake, OH locations and surrounding areas. Call today.

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