Insurance regulations vary in every state. In Ohio, The following mandates for auto insurance are in place:

• Liability coverage for bodily injury: $25,000 per individual and $50,000 per accident
• Liability coverage for property damage: $25,000 per accident

This means that it is required in the state of Ohio to carry liability insurance for your automobile for both bodily injury and property damage. Ohio is considered a "fault state." In the event of an accident, if you are at fault in an accident, you are required to contact your insurance company and your company will pay the damages.

This is why it is important also to call the police to get a police report, so that there is an objective party ruling on whose fault (if any) it was. That way someone cannot argue that it was your fault if the officer rules that it was the other party’s fault.

Once you have the minimum coverage, you may want to speak with a professional insurance agent about getting additional coverage.

Some of the other types of coverage you may need are:

• Collision
• Comprehensive
• PIP (personal injury protection)

Capretta Insurance Agency of Parma, OH can explain what the benefits are for these types of coverage and visit with you about whether you may need to carry these on your car.

As long as you carry the minimums, you’re ok in Ohio. 

Don’t forget that, in additional carrying liability insurance,  you must also always keep a copy of your insurance card in your car glove compartment in case you are pulled over for any reason. Failure to do so can cost you fines and penalties.

Visit with Capretta Insurance Agency today if you’re in the Parma, OH area and learn more about the auto insurance that gives you peace of mind.

Capretta Insurance Agency provides coverage to the Parma, OH community. We strive to make sure that our clients find the policies they need to protect their assets. We want to make sure that our clients are protected regardless of possible risks. We look forward to helping you protect your assets.

Exploring Comprehensive and Collision Auto Insurance

Auto insurance covers you as you travel around Parma, OH, and beyond. Accidents can happen any time while you are on the road. Liability coverage protects you if you are held responsible for damages caused by your vehicle. You’ll have to decide whether to add comprehensive or collision coverage to your auto insurance policy.

Comprehensive Vs. Collision

Collision coverage protects your vehicle if it sustains high impact damage through contact with another vehicle or an object such as a tree. Collision coverage also protects your vehicle if it suffers damage from hitting a pothole.

Comprehensive coverage protects your vehicle if it’s stolen or someone vandalizes it. You are also protected if your vehicle is damaged due to a fire or natural disaster such as a hurricane. Comprehensive coverage also protects your vehicle if an unexpected accident happens, such as a brick landing on your car and cracking the windshield or an accidental collision with an animal.

Things To Consider

As you figure out which type of coverage is the right fit for your needs, think about a few factors. Think about having your vehicle appraised so that you’ll know the true value of it. Also, think about the regularity in which you drive your car. You should also consider your community and weather settings before making a decision.

Capretta Insurance Agency Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.