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Protecting yourself and others by purchasing auto insurance is one of the wisest things you can do. However, finding an affordable policy used to be quite a daunting task—but not anymore!
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Ohio law requires you to either carry liability insurance on your automobile or to carry proof of financial responsibility with you when you drive.
There are many different types of Ohio auto insurance coverage you can buy, but these are the minimum requirements:
Driving without Ohio auto insurance or proof of financial responsibility carries stiff penalties. Your Ohio driver's license can be suspended, your car impounded, your driving privileges revoked and/or court costs invoked.
It is always a good idea to consider buying higher limits of Ohio auto liability insurance than those mandated by state law because state minimums may not be sufficient to cover the complete value of your automobile, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits.
Ohio auto insurance companies also offer additional protection through coverage not extended in state-mandated minimums. These types of insurance further protect you and your family in case of an auto accident. Some non-required options include uninsured/underinsured motorist, comprehensive and collision coverage. Ask a licensed Ohio auto insurance agent to explain these added policies, coverages and prices.
Auto Insurance Shopping Tips
Savvy Ohio auto insurance shoppers get the best coverage at the best price by:
Before buying an Ohio auto insurance policy, consider important factors such as cost and coverage, as well as a company's financial strength and complaint history. These elements provide a good indication of the type of service a company provides and whether or not they will remain in business long term.
Rights & Responsibilities
Every Ohioan has inherent rights and responsibilities associated with purchasing Ohio auto insurance.
-You have the right to a fair premium estimate, and you may have the right to a refund if you are required to pay more than the Ohio Department of Insurance has approved for the policy you purchase.
-You have the right to cancel your policy if your Ohio auto insurance agent mistakenly quotes you the wrong premium.
-You have a right to receive a copy of your Ohio auto insurance policy, as well as all forms and applications you and the agent sign.
-Ohio auto insurance companies may not discriminate against you due to race, national origin, beliefs or physical handicaps which do not influence your ability to drive.
-You have the right to a written notice of policy termination or cancellation, and your Ohio auto insurance company must cite the reason/s your policy is being terminated or cancelled.
-In case of an accident, you have the right to choose which repair shop will fix your automobile, and you are entitled to a prompt good-faith settlement offer from your Ohio auto insurance company. You may reject any settlement offer with which you do not agree.
-You have the right to file a complaint against your Ohio auto insurance company with the Ohio Department of Insurance.
-You are responsible for filling out Ohio auto insurance applications completely and accurately.
-You are responsible for carrying proof of coverage or financial responsibility with you while driving at all times.
-You are responsible for reporting any life changes that affect your policy to your Ohio auto insurance company.
-You are responsible for keeping track of your Ohio auto insurance policy renewal date, and for paying your premiums on time.
-You are responsible for reporting accidents or other losses to your Ohio auto insurance company or agent promptly.
-You are responsible for knowing your rights under your Ohio auto insurance policy and negotiating with adjusters when you believe settlement offers are below policy requirements.
-You are responsible for informing your Ohio auto insurance company or agent immediately of any outstanding claims or lawsuits which may require payment.
The Ohio Automobile Insurance Plan
Many Ohio auto insurance companies specialize in insuring high-risk consumers. However, if you can't find a company that is willing to insure you, ask any Ohio auto insurance agent to help you apply to the Ohio Automobile Insurance Plan. This program guarantees you liability coverage—but rates may be high. For further information, call the Ohio Auto Plan at 614-221-2596.
The Ohio Department of Insurance handles more than 90,000 consumer calls and another 3,200 inquires and complaints online. And they are there to help you, too. If you need more information on Ohio automobile insurance, or if you'd like to file a complaint, you may contact them at 800-686-1526, or online at www.ohioinsurance.gov.
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