I know that I am required to have auto insurance coverage here in Ohio because I now have my own car. But what do I need to know? I don’t know much about this. What are the current Ohio auto insurance rates?

Nina

Cleveland, OH

Nina, the scope of your question is just too wide. I won’t be able to answer that properly. What I’ll tell you is the auto insurance coverage that I have. To really know more about auto insurance coverage, I suggest you do online research or contact an insurance agent there in Ohio.

I have liability insurance. This also required by all states, so you will definitely need this. This coverage takes care of things when you get in an accident and you hurt other people or damage other properties. For example, if you hit a car and you’re the one at fault, liability insurance will pay for the repair of the other driver’s car. Now, if the accident was the other guy’s fault, his liability insurance will cover the damages on your car. If you get sued because of this, liability insurance will also cover the expenses.

Now, what about the damage to your own car, you ask. That will be taken care of the collision coverage part of you auto insurance policy. This is the one that will pay for the repair of your car.

And if something happens to your car while it is parked, somebody defaces it, it gets stolen, etc, you will need comprehensive coverage to take care of that. Comprehensive coverage takes care of damages to your car not caused by collision accidents.