How Do I Choose The Right Car Insurance?
Nearly every state, including Ohio, Kentucky, and Indiana require drivers to purchase a minimum coverage amount.
What Is Uninsured / Underinsured Coverage?
Nearly every state, including Ohio, Kentucky, and Indiana require drivers to purchase uninsured / underinsured (UM/UIM) coverage. This protects you in the event you are injured by a driver who does not have insurance or does not have enough insurance to cover your damages.
Liability Coverage vs. Comprehensive Coverage
Liability Coverage covers the damages you are responsible for in an accident.
Comprehensive and Collision Coverage cover damage to your own car up to the current market value, whether it’s a result of an accident or something entirely different (theft, vandalism, flood, etc.).
Med Pay vs PIP (Personal Injury Protection)
Med Pay is a no-fault type of insurance coverage that pays for medical expenses up to the policy limit regardless of who was at fault.
PIP similarly is a no-fault type of insurance coverage that covers medical expenses as well as lost wags and other “out of pocket” losses as a result of injuries due to a car accident regardless of who was at fault.
What Are Other Add-On Coverages?
Rental Car Reimbursement, GAP insurance, Roadside Assistance, and New Car Replacement are just some of the many add-on coverages available under your insurance policy