You know that auto insurance is mandatory in Ohio, but what else do you know about car insurance. Car insurance can be a complicated topic, even to seasoned motorists. But don’t worry because Capretta Insurance Agency of Parma, OH is here to take you through car insurance basics.
Required car insurance in Ohio
Ohio’s law states that every motorist should purchase bodily injury and property damage liability when driving or parking in public places. Failure to carry the state-required auto coverages may lead to penalties and fines, including license suspension. Is it really worth it?
While purchasing the state minimums is superb, these coverages aren’t enough. At Capretta Insurance Agency, we usually advise our clients to consider other car insurance coverages for optimal protection.
Optional car insurance coverages
Looking for auto insurance in Ohio? Here are other auto insurance coverages you need to consider for optimal protection.
- Collision coverage: This insurance policy pays you out when your car collides with another motorist or stationary object.
- Comprehensive coverage: It protects you against physical damage from non-collision perils like theft, falling objects, fire, and natural disasters.
- Medical Payments (MedPay): It pays for the medical costs for you and your passengers if involved in a car accident.
- Roadside assistance: When your car breaks down away from home, this coverage provides services like towing, gas delivery, and puncture repair to get you to safety.
- Uninsured/underinsured motorist: If you are hit by a motorist carrying insufficient or no insurance, this coverage covers the damages. This route is much more convenient and time-saving than pursuing damages through lawsuits.
Ready to invest in car insurance in Parma OH? Would you mind getting in touch with Capretta Insurance Agency? Since we understand that our client’s demands aren’t the same, we offer personalized auto insurance coverage to suit different needs.
