How To File an Auto Insurance Claim in Ohio
Reader’s Question:
How do I make an accident claim with my insurance company in Dayton, OH?
Fernando
Dayton, OH
If get involved in an accident where your car has sustained damage you can make a claim with your insurance carrier if you have physical damage coverages, meaning comprehensive and collision. If you have been in an accident the claim would normally go under your collision coverage and therefore the deductible associated with this coverage would be due.
To make an accident claim you will have to contact the claims department of the insurance carrier you are making the claim with. Your car insurance carrier will likely take your statement and want to get the information about the accident. If it is your own insurance company in Dayton Ohio they will also want to know if another car was involved and will be making a claim against your liability coverages.
Will My Auto Insurance Policy Pay For My Friend’s Car If I Wreck it?
Reader’s Question:
I live in Ohio. I just want to know If I damage my friend’s car, will his insurance cover it or mine? Thanks.
Joel
Thank you for asking Joel.
The Auto Insurance Buyer’s Guide on the Ohio Department of Insurance website states that the individual who are typically covered on an insurance policy is you, family members who live with you (that you have listed on your policy) and in general any licensed driver that you permit to operate your car unless your policy rules out this provision.
Normally it is the car owner’s insurance that would be primary and the driver’s auto insurance would be secondary. This means that his car insurance would pay on the damages first. If his insurance policy did not cover all of the damages then your insurance could be used for excess cost for the damages.
Goodluck!
MariCAR
What is Non Owners Bond?
Reader’s Question:
I would like to know what a non owners bond is? Am I required to have an insurance even if I do not own a vehicle. Can I drive my someone else’s car? What coverage can I get from non owners bond?
Leslie
Good question Leslie.
It is illegal in Ohio if you drive any vehicle without any car insurance or other financial responsibility (FR) proof. It is also against the law if a vehicle owner permits anyone else to drive their own vehicle with Financial Responsibility certificate. If you apply for a driver’s license or wants renew of such license, applicants in Ohio signs a statement stating that they have sr22 and will maintain Financial Responsibility (sr22) or will not drive a car in Ohio. This is the reason why you still need an sr22 even if you dont own a vehicle.
Non-owners sr22 is a car insurance that you may purchase if they do not own a car but will be driving other motor vehicles and is required to have a liability insurance. Typically, the non owners sr22 does not provide collision or comprehensive coverage on the motor vehicle.
A bond insurance is also another term for a SR-22. If you fail to show proof of financial responsibility in Ohio, it will result in violation of the Financial Reasponsibility law. You will be required to file with the Bureau of Motor Vehicles (BMV) in Ohio a SR22 or bond. So you will need to continue maintaining sr22 for three to five years.
If you are being required to get an SR-22 and you do not own a car you can get a non-owner SR-22. You can fulfill the required liability insurance coverage by the Ohio BMV while driving vehicles.
Not all insurance companies offer sr-22. You may shop around or get quotes from individual insurance company websites to check which can give you the cheapest coverage in Ohio.
Goodluck!
MariCAR
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