Automobiles are quite expensive to purchase and maintain. However, they have become a necessary part of daily life. Unfortunately, not every driver on the road is careful and sometimes accidents happen. This can create serious and costly damage to a person’s vehicle. It can also cause serious injuries. These injuries can be far more expensive than the cost of car repairs. Auto insurance in Findlay Ohio provides protection and coverage for the costs of an accident.
Minimum coverage
The state of Ohio requires that all drivers carry a certain amount of insurance coverage to drive. This minimum amount requires at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. It is also required to carry property damage liability coverage of at least $25,000 per accident. This means if the driver is at-fault for an accident, their insurance will cover any injuries caused due to the accident and property damage to the other vehicle.
Uninsured motorist coverage
When in a car accident, it is often the at-fault driver who is responsible for paying the damages of the accident. Unfortunately, there are a variety of reasons why a driver may not have insurance coverage. In these cases, it can be difficult for a driver to get the compensation they deserve to cover medical bills and damages from an uninsured driver. Fortunately, there is an optional type of auto insurance in Findlay Ohio called uninsured motorist coverage that will provide coverage in these situations.
Other optional coverage
In addition to the minimum coverage and uninsured motorist coverage, there are other options that can be added to an insurance policy to provide protection in a variety of situations. Options can be added to cover the costs of damage to a vehicle even when the driver is at fault. It can even cover storm and vandalism damages if the right options are added to the policy.
An insurance company can provide a variety of options to protect drivers on and off the road to ensure their vehicle is covered. Many of these insurance companies can also provide coverage for other situations, such as homeowners, renters, and life insurance policies to provide complete protection.
