HOME          INSURANCE 101          AGENCY UPDATE          SEND AN EMAIL

Free Quote Auto - Home Retirement IMPORTANT! Consumer Education Report FREE REPORT REVEALS "The Top 10 Tips to Lower Your Auto Insurance"      Call Today (888) 245-5140 Ext. 9000 For A 24 Hour Free Recorded Msg & Receive Your FREE Report   Insurance 101 Optimize your Ohio Auto Insurance Coverage You can make a good decision regarding your Ohio auto insurance coverage options when you understand: Liability Protecting yourself and others. Protecting you for damages to others if you’re at fault. Liability coverage characteristically helps to endow with you peace of mind. Since it helps to protect you from covered damage your car does to others and damage for which you are legally liable. Liability is effective when you, your family members, or relatives who live with you are:  (1) Driving your car or (2) driving others' cars with that vehicle owner’s permission. Liability also is valuable when other people are driving your car that you’ve given them permission to do so. It pays for your (plus, those covered by the policy) legal protection costs, cost of bail bonds, and emergency first aid to others. It also pays the people you’ve injured for property damage, loss of services, bodily injury, sickness, medical services, disease, loss of income. and death. Medical Payments Coverage typically helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident for you and covered family members. It pays regardless of who was at fault. That treatment includes, among other things, x-rays, surgery, ambulance, physicians, hospital, and funeral expenses. Underinsured and Uninsured Coverage typically helps protect you for covered damage caused by drivers who don’t have auto insurance or don’t carry enough auto insurance. This normally helps cover damages to you and your property caused by another driver who doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages. Fact One:  The higher you set your Ohio auto insurance coverage limit... the higher your car insurance rates, but the greater amount of protection you have.   Fact Two:  The higher you set your deductible… the lower your car insurance rates, but the more you’ll have to pay out of your own pocket. There’s More Limits and Deductibility Auto Property Coverage Additional Coverages