Difference Between Ohio Liability and Collision Insurance
Reader’s Question:
What is the difference between liability coverage and collision auto insurance coverage? I called an insurance office in Akron Ohio but the agent’s explanation didn’t make sense to me. Please explain it clearly.
June
Akron OH
How unfortunate, June! Rest assured that most auto insurance companies in Ohio are reliable and professional, and would be happy to assist you when you make queries such as this one. Having said this, let me thank you for trusting me to answer your questions.
Yes, sometimes liability and collision coverage may seem similar but they are not. Liability coverage pays for the damages resulting to a collision where you are liable. It will pay for the damages to the car you have hit and for the medical expenses of the passengers of the damaged car. Collision coverage, on the other hand, protects your car from possible damages brought about by collision. Liability coverage has three limits – bodily injury per person, bodily injury total, and property damages. It can happen that sometimes, your car was hit by a reckless driver whose liability coverage limits can not fully pay for the damages made to your car. This is the time when you will make use of your collision coverage.
Liability coverage is the minimum required when you register your car. It will always be the cheapest available auto insurance around Akron. To compare prices, simply get online quotes by entering your zip code on this page. What is critical is for you to evaluate if you will be comfortable with just the minimum auto insurance.
I hope that I have explained it well enough, June; please feel free to contact me again if you have any other questions.
Do I Need A Car Title To Get Auto Insurance in Ohio?
Reader’s Question:
My grandfather recently died and left the vehicle for me but I do not have the title yet. I was wondering if its possible to obtain car insurance without a title on Youngstown, Ohio?
Gary
Youngstown, OH
Yes, usually you can obtain auto insurance without the title, however you will have to show proof of ownership within 15 to 30 days to the insurance carrier. That means that you would be obtaining the title and you would be registering the car in your name within this time frame.
If you would like to comparison shop online for auto insurance on the vehicle your grandfather left you, you can start here to get free insurance quotes in Youngstown, Ohio.
Can I Get Auto Insurance and Car Title in Ohio For A Car I Don’t Own?
Reader’s Question:
My roommate moved out and left her car at my house in Cincinnati, Ohio. I have told her a lot of time to come get it and she hasn’t. Can I insure and get the title under my name?
Alliso’
Cincinnati, OH
If your friend does not want the vehicle anymore then maybe you can meet her so that she can sign it over to you. If you can no longer contact her and either want the vehicle removed or titled under your name so you can drive it or sell it then you will need to contact your DMV and possibly police department to determine what steps you need to take.
According to the Cincinnati, Ohio clerk of the court, if you have a vehicle abandoned on your property you need to contact first your local law enforcement office, because each area has different rules on this. Some law enforcement agencies will come to your property and remove the car, some will say it is on your property and you will have to check who the owner is and contact them.
You may contact your your local court house or local Department of Motor Vehicles to check on how in your area you can get your former roommate’s abandoned car titled and insured in your name.
Tags: auto insurance
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