In Ohio, you must have at least liability auto insurance to legally drive on the roadways. This type of insurance will cover injuries and property damages sustained by others if you are involved in an auto accident that is deemed to be your fault. In addition to liability insurance, there are several other types of auto insurance coverage options you can choose from to fit your situation. If you obtained a loan from a bank or other financial institution to purchase your vehicle, there are some types of other auto insurance coverage options you may be required to have in place.
Underinsured/Uninsured Motorist Coverage
This type of insurance protects you and your vehicle if you are involved in an accident with a driver who does not have any insurance at all or does not have enough insurance to cover injuries or property damage sustained by you or your passengers.
Collision Insurance
A collision insurance policy will pay for repairs or to replace your vehicle if it is damaged or destroyed if you are involved in an accident with another vehicle or with an object. For example, if you hit a pole or building, this type of coverage will help pay for the repairs to your vehicle from any damage that is sustained.
Comprehensive Insurance
Comprehensive insurance coverage will help cover the costs to replace your vehicle or repair it if it is damaged or destroyed by a fire, vandalism, or a natural disaster, such as a tornado or hurricane. It will also help you replace your vehicle if your car, truck, or SUV is stolen.
To figure out which coverage options are best for you and your situation to protect the investment you have made in your vehicle, you should enlist the assistance of an experienced auto insurance agent. The trusted and knowledgeable auto insurance agents at Associated Insurance Agencies Inc. in Westerville, OH are ready to help you with all of your insurance needs. Call for an appointment today!
