Do you have enough auto insurance?

Auto insurance is required if you drive in Willoughby, OH. There are state mandates that establish the bare minimum coverage that drivers need to operate a vehicle in Ohio legally. Many car owners, however, find that the bare necessity of auto insurance is not enough. The Merhar Agency LLC can help you create an indemnity plan that fully covers you when an incident occurs. 

How much auto insurance is required in Ohio?

State law requires every driver to show proof of at least $25,000 in bodily injury coverage ($50,000 per incident). Drivers need at least $25,000 in coverage for property damage. 

Some policyholders mistakenly believe the state minimum protects them from lawsuits if damages exceed their policy limits. In actuality, Ohio is an “at-fault” state, which means drivers can sue for damages not covered by the responsible party’s insurance plan. 

How to protect yourself

The only way to lower your risk of a lawsuit after an at-fault accident is to make sure you have enough coverage to pay for damages and bodily injuries you may cause. Some policyholders choose limits that exceed $100,000 for bodily injury and property damage to avoid the possibility of falling short of protection. 

Other drivers choose uninsured/underinsured motorist protection. This option safeguards the victim in the instance that the at-fault driver’s policy falls short or is non-existent. 

How much insurance do you need?

Your policy should fully cover all damages and injuries in an accident without the need for out-of-pocket expenses. Determining the exact amount that would cover you in this manner should be done with a professional’s assistance. 

The agents at The Merhar Agency LLC can help you craft the auto insurance policy that best suits your lifestyle. Call our office in Willoughby, OH today to get started with a quote for coverage.