Drivers in Ohio have to deal with the same issues as drivers all over the country. Crowded roads, angry drivers, and frustration with the amount of traffic. Luckily, there are many roads in the state where it is still a pleasure to drive. At Capretta Insurance Agency in Parma, OH, we want to make it a pleasure to get your auto insurance coverage. We will do the hard work of finding the best carrier and the most affordable price for you. As an independent insurance agency, we work for you, the customer not for any one insurance company. 

Why You May Need More Than The Basics

In Ohio, basic auto insurance is 25/50/25. This is liability coverage that protects the other driver and passengers in an accident where you are the responsible party. It provides $25,000 in personal injury coverage for one person injured and a total of $50,000 for all the injuries in an accident with another $25,000 for property damage. This is the only coverage a basic policy provides. It allows nothing for your vehicle. 

If you have an auto loan or are leasing a vehicle, this coverage will not be acceptable. You will need to protect the vehicle. This requires collision and comprehensive coverage. 

Collision coverage is what it sounds like, the coverage that pays for repairs that are the result of a collision. It can be with another vehicle or just your vehicle and a stationary object or a hot and run. 

Comprehensive coverage is a different matter. It is damage that results from things other than a collision. It can be a large animal like a dear, it can be that your vehicle is stolen or vandalized. Many weather events can damage your car and this is the insurance that will pay to repair it. 

If like most people, you depend on your vehicle, basic insurance just may not be the right thing to choose. 

Contact Capretta Insurance Agency in Parma, OH when you want to have your auto insurance reviewed.