Will My Liability Auto Insurance Cover Tornado Damage
Reader’s Question:
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.
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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