Having car insurance is required in Pennsylvania and Ohio, but there are some other benefits of having car insurance. Car insurance allows you to pay a little bit now and save a lot later. Accidents are common, and they can be more than just a slight inconvenience, with the average property damage cost of a car accident in the thousands. Auto insurance will help protect any assets you have for when you are involved in a crash. Car insurance can also help supplement your health insurance. If you have health insurance, car insurance may also be able to supplement some of your expenses that your health insurance doesn’t provide, such as care for accident-related injuries or extended nursing care during rehab.
Ohio requires a minimum for liability insurance, and you must have a total amount of coverage per accident, per person, and for property damage. While state minimums are different in each state, many people get more coverage to protect themselves. An agent at Ruddy Insurance Group can help you get the right amount of coverage.
It’s important to remember that just because you have the minimum amount of car insurance, you won’t necessarily be protected. The minimum also doesn’t cover your injuries or damages to your vehicle. The minimum only pays for damages to the other car in an accident. A policy that includes both comprehensive and collision coverage will protect your vehicle in the event of an accident, as well as some other damages, such as from weather or if your car is stolen. You may be required to purchase collision and comprehensive coverage if you have a lease on your vehicle, or if you have a loan. Having underinsured/uninsured motorist coverage can help protect you if you get into an accident with someone who doesn’t have the state’s minimum amount of insurance.
Contact Ruddy Insurance Group, serving Pennsylvania and Ohio, to get a quote on auto insurance.
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