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.