I am wondering , can a car insurance carrier in Ohio ask about any medical conditions you have such as heart problems, epilepsy or diabetes? Can they ask that? Is that legal? Do you have a recommendation on Ohio auto insurance companies?

Karl

Cincinnati, OH

Normally a car insurance company is permitted to ask questions about risk factors that could affect the insurance policy they would be offering an individual. There are certain medical medications and conditions that can impair your driving abilities and therefore be a risk factor to an insurance company.

To obtain a driver’s license in Ohio from the Bureau of Motor Vehicles (BMV) you must answer questions regarding your physical health and any medical conditions that you might have. If you have a condition that might affect your driving, the examiner will tell you the steps that you have to take and give you with a medical packet (form BMV 2058) which must be filled out by your doctor.

I recently discovered that my roommate is driving my car without my permission when he goes out at night. He told me he doesn’t want his girlfriend to identify him and so he uses my car instead. We both have auto insurance in Ohio. If anything happens to the car while he’s driving it, his auto insurance will pay for it, right?

Hal

Dayton OH

Sorry, Hal, but no, his auto insurance will not pay for the damages your car. Remember all the time that auto insurance is meant for the car, not for the driver or the passengers. Although some auto insurance packages offer medical protection for the drivers and passengers of the car, it also pertains only to those drivers and passengers of the insured car. So, your friend’s auto insurance will only cover his car and those inside it depending on the type of insurance he has.

I don’t know what type of auto insurance you have, but it is supposed to pay for the damages your car has incurred as long as it was driven by the authorized driver or those allowed by the owner of the policy. In this case again, if your car was damaged while your friend was driving it without your knowledge, you will not be able to claim anything for it. Now that you know what your roommate was doing, it is a very good time to review your auto insurance very thoroughly or even call your insurance agent in Dayton Ohio . You see, auto insurance varies from state to state and you might want to check what is applicable to you.

if you love your roommate enough, you might want to include him as an authorized driver, especially since it seems like he does this trick regularly. You can expect that it will naturally incur additional expenses. You can have some idea on how much you will be paying from this page. Just enter your zip code and the type of coverage you want for your car and you can get free quotes instantly.

When you have all these settled, it will be a good idea to have a man-to-man talk with your roommate. I think that all indications show that he has one mighty secret!

Can you give me tips on how to obtain a cheap high risk auto insurance in Ohio?

James

Cleveland OH

Ohio car insurers can still provide you with a cheap coverage even if you are a high risk driver. Getting a cheap high risk car insurance in Ohio is possible by doing two things. First is you need to go shopping for one. The second is something you need to do to clear your record from your violations in the past. Shopping for a cheap high risk car insurance in Ohio requires you to call or visit the local insurers. You can get their names by checking Cleveland’s business directory. Before calling an insurer or a broker, make sure that you know what you wanted for your coverages. Also, emphasize your need for a cheap high risk car insurance in Ohio so that the insurance agent will know what to offer you.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.

Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums.  People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.

Ask for discounts, you never know what you might be able to get and how much you can save by asking.  Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

You can also shop online for cheap coverages. There are many companies you can find online that offer discounted premiums even for high-risk groups. Online calculators can provide you with quick quotes that will give you an idea of how much or how cheap will you be paying to get an insurance. In the second option, you should pay all of your pending fines so that the violations in your records will be wiped out. Let the Department of Motor Vehicles know that you have already settled your fines so that the agency can update its records.

If a friend is driving my vehicle, and my vehicle is not insured, am I going to be held liable if they get into an accident and cause damages? I live in Elyria Ohio. I am looking for an affordable auto insurance company in Ohio.

Ricky

Elyria, OH

Normally in an accident auto insurance follows the vehicle first and motorist second, so you as the owner of the car, are primarily responsible. If the motorist causes an accident then both you as the car owner and the driver can be held responsible for the damages the driver caused while driving your car.

In Ohio, you can be ticketed for wrongful entrustment if you permit someone to drive your car without car insurance. If your car is uninsured in Elyria Ohio and you drive it on the roadway, either by driving it yourself or permitting your friend to do so, then you are placing yourself at risk for penalties by the state and financially if the vehicle is in an accident.

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.