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.
How Long Will Speeding Ticket Affect My Car Insurance Rate in Ohio?
Reader’s Question:
I have a couple of tickets for speeding and one accident 3 years ago in Ohio. Im just wondering how long do tickets and accidents affect your car insurance rate?
Michael
Toledo, OH
The Ohio’s Bureau of Motor Vehicles states that there is no section of the Ohio Revised Code (ORC) that says convictions will ever come off of an individual’s driving record.
Your OH car insurance rate can increase if you cause an accident or have a traffic violation. The insurer can increase (“surcharge”) your insurance premium if you are at fault in an accident or if you get a lot of traffic tickets. According to the Ohio Insurance Department of Insurance, you should not be surcharged for a minor traffic infraction or a single accident that was not your fault. In addition to that, insurance premiums cannot change until your next renewal date either.
Various companies have different rules. Most companies do not consider incidents that are more than 3 years old, but some car insurance carriers will look back as far as 5 years in Ohio.
If it has been over 3-5 years since your last ticket or moving violation conviction it does not necessarily mean that your insurance provider will automatically lower your insurance rate. According to the Ohio Insurance Department of Insurance, periodically you should ask your insurance company to review your premium to be certain that you are getting the best insurance rate possible.
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