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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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Required Auto Insurance in Ohio

In Ohio, there are specific minimums you are required to have in your auto policy. These minimums are the amount you are required to have, but you can always add extra coverage to your policies. Many people do this because they want to be better protected against serious accidents. With medical bills and car repair bills so high, it’s usually smart to raise your amounts of coverage. If you need auto insurance, give us a call at Meiners Insurance in Avon Lake, OH.

Bodily Injury Liability

The state requires you to have a specific amount of coverage to pay for one person who is injured or killed in an accident that you cause. There is another amount required for the injury or death of two people or more. These liability amounts are relatively low when you look at how high medical bills can be. It’s often recommended to add some extra coverage to this policy. 

Property Damage Liability

In Ohio, you also have to have a specific amount of property damage liability. This pays for the damage to the other person’s vehicle in an accident that you caused. The amount required in Ohio is midrange among states, so you may not need to increase this coverage to stay protected. 

Other Auto Coverage

Those required types of coverage are great to have for taking care of your liability, but that leaves nothing for you after an accident. Many people choose to add a collision policy to their auto insurance. This policy covers the damage done to your vehicle after an accident that you caused. You can also get comprehensive insurance which protects your car from a number of other risks.

Get Your Vehicle Covered

To stay legal and protected when driving, you need auto insurance. Call us at Meiners Insurance in Avon Lake, OH.

How much auto insurance is enough

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. 

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