{"id":12,"date":"2020-10-27T04:00:00","date_gmt":"2020-10-27T10:00:00","guid":{"rendered":"https:\/\/www.merharagency.com\/blog\/?p=12"},"modified":"2020-10-27T12:07:28","modified_gmt":"2020-10-27T18:07:28","slug":"do-you-have-enough-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.merharagency.com\/blog\/do-you-have-enough-auto-insurance\/","title":{"rendered":"Do you have enough auto insurance?"},"content":{"rendered":"<p><span style=\"color:#000000\">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. <\/span>The Merhar Agency LLC<span style=\"color:#000000\"> can help you create an indemnity plan that fully covers you when an incident occurs.&nbsp;<\/span><\/p>\n<h2><strong><span style=\"color:#000000\">How much auto insurance is required in Ohio?<\/span><\/strong><\/h2>\n<p><span style=\"color:#000000\">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.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Some policyholders mistakenly believe the state minimum protects them from lawsuits if damages exceed their policy limits. In actuality, Ohio is an &ldquo;at-fault&rdquo; state, which means drivers can sue for damages not covered by the responsible party&rsquo;s insurance plan.&nbsp;<\/span><\/p>\n<h3><strong><span style=\"color:#000000\">How to protect yourself<\/span><\/strong><\/h3>\n<p><span style=\"color:#000000\">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.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Other drivers choose uninsured\/underinsured motorist protection. This option safeguards the victim in the instance that the at-fault driver&rsquo;s policy falls short or is non-existent.&nbsp;<\/span><\/p>\n<p><strong><span style=\"color:#000000\">How much insurance do you need?<\/span><\/strong><\/p>\n<p><span style=\"color:#000000\">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&#8217;s assistance.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">The agents at <\/span>The Merhar Agency LLC<span style=\"color:#000000\"> 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.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[14,13],"class_list":["post-12","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-the-merhar-agency-llc","tag-willoughby-oh"],"_links":{"self":[{"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/posts\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/comments?post=12"}],"version-history":[{"count":1,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/posts\/12\/revisions"}],"predecessor-version":[{"id":13,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/posts\/12\/revisions\/13"}],"wp:attachment":[{"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/media?parent=12"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/categories?post=12"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.merharagency.com\/blog\/wp-json\/wp\/v2\/tags?post=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}