My vehicle is paid off and I only have a liability auto insurance in Cincinnati, OH. What if a tornado hits and damages my vehicle, Will my insurance cover any damages? Thank you

Jennifer

Cincinnati, OH

Unfortunately no, your liability only auto insurance coverage in Cincinnati, OH will not cover your car if it is damaged from a tornado.

Liability coverages as part of your car insurance only covers those that you may damage; this type of coverage provides no coverage to your car in any way. Bodily injury and Property Damage liability coverages are the minimum types of coverages that the state require.

With only liability insurance you don’t have any coverages that will protect your car, only those that you may harm when you are driving your vehicle. So your auto insurance carrier would not be able to accept a car insurance claim to repair your car after a tornado caused damage to it.

Always remember that if a tornado is on the way and your state is already under a storm warning then insurance carriers will not offer physical damage coverages to be bought during that time. If you want to have comprehensive on your car you will need to do so before the hurricane is approaching and your area in Cincinnati, Ohio is under a warning.

I got involved in a car accident in Akron Ohio and they did not include the other person’s auto insurance company on the police report. How will I find out if the other person is insured? I live in Akron, Ohio.

George

Akron, OH

In a majority of the states including Ohio you will have to get this information from the law enforcement.

It is the law enforcement’s responsibility to include this kind of information on the accident report. If there is no accident report, then you should speak with the law enforcement to file a police report regarding the accident in Akron, Ohio. If you have a police report, you will need to contact the law enforcement that wrote up the report.

You can contact your insurance carrier and they can help you in this matter.

If you cannot locate the other party, then you will have to file the claim under your insurance policy if of course you have coverage that will cover the car insurance claim.