Driving a car is a necessity for many people. At the same time, owning a car is a big purchase and investment that needs to be properly protected. One of the best ways to protect you and your vehicle is to have a full auto insurance policy in place. For those that are in the state of Ohio, several factors need to be considered when you are looking for a new auto insurance policy.
Similar to other states across the country, those that own and drive a car will need to have a liability insurance policy in place. The Ohio state insurance requirement minimums are on the higher end compared to other states. To comply with the law, you will need to have at least $25,000 in property damage liability coverage and bodily injury liability coverage of at least $25,000 per person injured in an accident and $50,000 total coverage for all people injured in one accident.
While you are only required by law to carry liability insurance, this type of insurance will not provide you with any coverage for your car if you suffer a loss. For those that have a car that would be too expensive to replace, or have an outstanding loan or lease obligation, having additional collision and comprehensive coverage in place is a necessity.
Collision auto insurance coverage will provide coverage if your vehicle is damaged in an accident in which you are at fault or if the other driver is not insured. Comprehensive insurance will provide coverage if your car is stolen, vandalized, or if you hit an animal.
Once you are ready to start shopping for your next auto insurance policy, meeting with the Dover Insurance Agency would be a great option. The Dover Insurance Agency is very aware of the state laws when it comes to liability requirements and can also help you get into a policy that will provide you with adequate protection.