Auto Insurance

(Auto Insurance Glossary of commonly used terms)

Did you know that owning automobile insurance is probably the most important part of being a driver?  Car insurance is not a commodity you should buy on the internet.  Researching it online is fine, but you should have an auto insurance evaluation before you buy your automobile insurance.

Ohio, for example, is a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident.  To drive a vehicle in Ohio, you're required to show proof of financial responsibility.  You can prove this responsibility by posting a cash bond of $30,000, a real estate bond of $60,000, or by buying a minimum amount of liability coverage.  Most drivers opt to buy the Ohio car insurance.

Ohio's liability minimums are 12.5/25/7.5. (That's $12,500 per person for injuries you cause to the other party, up to $25,000 for all, and $7,500 for damage you cause to the other party's property.)

Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.  Auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.

To obey the law, and for financial, personal and medical protection, you need auto insurance.

We can help.