Will Multiple Accidents Affect Car Insurance Rates in Ohio
Reader’s Question:
I am a resident of Cleveland, Ohio. I have been involved in three car accidents this year although none of them was my fault. Will this affect my insurance rates when I renew them?
Maureen
Cleveland, OH
Maureen, nice of you to bring this topic as a lot of people I know are asking this question. Let me just give you a brief interlude about insurance.
As you may know, insurance in general is about sharing risks. If more claims are made by members, it will translate to less profit for the insuring company. The opposite of this also holds true, the less claims members make, the more profit for the insurance company.
With this in mind, insurance companies now, including those in Cleveland, Ohio, are giving benefits to those drivers with good records. What does good record mean in the eye of the insurers? Good records come in the form of minimal to zero accident claims. Traffic tickets also are looked at, so expect higher premiums if you have a lot of tickets. The trend now really is, companies are now giving lower premiums to those members who ideally have zero claims. This pertains particularly to road accidents, and zero traffic tickets.
Maureen, I understand that you may gotten involved in three vehicular accidents but none of them was your fault. Although none of them was your fault, what will matter with your insurer is if you made claims on those accidents. So, if it was not your fault, make sure you make the party at fault make the claim so that your insurance premiums will not be affected, and much more importantly, you can keep your good driving record.
How Long WIll A DUI Charge In Ohio Stay on My Record?
Reader’s Question:
If I will be hired by a company and use a company car how far removed does my DUI have to be? I live in Lakewood, Ohio and it has almost been three years..
Jake
Lakewood, OH
The DUI in Lakewood, Ohio is listed at least six years on your driver’s record since it is noted by the OH Bureau of Motor Vehicles (BMV) that it is considered a 1st DUI violation if you are found driving a car with a prohibited alcohol concentration or drug of abuse with no prior OVIs within the last six years on the driving history. It is considered a 2nd violation if you have at least one prior OMVI within the last six years on the driving history.
If you want to know how long exactly your DUI will stay on your driving history then check with the BMV. As for use of a company car, typically this is up to the individual company and their insurance company so you would have to speak with the hiring agent if the DUI on your driving record would keep you from using the company car or not.
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.
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