Category: Auto Insurance

A common mistake many drivers make when purchasing auto insurance is compromising coverage for the cost. This can result in less protection on the road. In the event of an accident, you may wind up paying more out-of-pocket due to a lack of coverage on your part. At Meiners Insurance in Avon Lake, OH, we customize our auto policies to suit your driving needs, so you can receive quality protection at a reasonable cost.

Here are some of the dangers of compromising on your auto coverage:

Insufficient Liability Protection

If you cause an accident that results in injury or vehicle damage to another driver, you’re responsible for paying their medical bills or vehicle repair costs. Liability insurance helps cover these expenses, so they don’t come out of your own pocket. Ohio requires that drivers purchase minimum liability coverage, which may not be enough to cover damages from a serious accident. By sticking to the bare liability minimum to reduce your premium, you could pay more in the long run if the damages exceed the limits of your policy.

Less Protection for Your Vehicle

Collision insurance covers damage to your vehicle in a collision. Comprehensive insurance covers vehicle theft and damage caused by adverse weather, fire, and vandalism. Both of these coverages are optional and forgoing them can save you money on your policy. If your car is damaged in a collision, however, or stolen, you’ll be responsible for its repair or replacement on your own.

In addition to the right type of coverage, you need accurate coverage with limits that will protect your assets in an accident. Poor auto insurance protection can quickly deplete your finances when accidents occur. 

Schedule A Consultation Today!

To get the right auto coverage to best suit your needs, give Meiners Insurance in Avon Lake, OH a call.

Before you hit the road in Ohio, you need to make sure that you are in compliance with the law. You need to have a registered auto with good insurance. At Meiners Insurance in Avon Lake, OH, we have years of experience in providing quality service that is personalized to our customers. As an independent insurance agency, we can offer more choices. 

Documents you should always have in your vehicle

Vehicle registration

You must carry your vehicle registration in your glove box or somewhere safe in your vehicle at all times. Ohio allows you to get a multiyear registration between two and five years in duration. Especially when you are going to have it for a long time, you need to make sure it’s well cared for. To register a vehicle, you must show the title or the lease and have your driver’s license. 

Insurance card

Ohio has minimum auto insurance requirements. You must carry liability insurance in the amount of 25/50/25. This means you are covered for $25,000 in medical costs for one person, $50,000 for more than one person injured in a single accident, and also $25,000 for any property damage. If you have an accident, you will need to be able to show this insurance card, which you get when you sign up for a policy, to any police officer who requests it. 

Driver’s license

Most people use their driver’s license as a form of ID and therefore carry it with them in their wallet. If you are in the vehicle, chances are your license will also be there. It never hurts to make a photocopy of your license and include it with the other documents in the glove box so that everything is right there if you ever need it. 

Give Us A Call

Contact Meiners Insurance in Avon Lake, OH when you are ready to discuss your auto insurance needs. 

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.

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.