Auto Insurance Quotes in Ohio
Reader’s Question:
I recently discovered that my roommate is borrowing 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!
Cheap Collision Insurance Coverage in Ohio
Reader’s Question:
What is the difference between liability coverage and collision coverage? I called an insurance office in Akron Ohio OH but the agent’s explanation didn’t make sense to me. Please explain it clearly.
June
Akron OH
How unfortunate, June! Rest assured that most insurance companies in Akron Ohio OH are reliable and professional, and would be happy to assist you when you make queries such as this one. Having said this, let me thank you for trusting me to answer your questions.
Yes, sometimes liability and collision coverage may seem similar but they are not. Liability coverage pays for the damages resulting to a collision where you are liable. It will pay for the damages to the car you have hit and for the medical expenses of the passengers of the damaged car. Collision coverage, on the other hand, protects your car from possible damages brought about by collision. Liability coverage has three limits – bodily injury per person, bodily injury total, and property damages. It can happen that sometimes, your car was hit by a reckless driver whose liability coverage limits can not fully pay for the damages made to your car. This is the time when you will make use of your collision coverage.
Liability coverage is the minimum required when you register your car. It will always be the cheapest available auto insurance around Akron Ohio OH. To compare prices, simply get online quotes by entering your zip code on this page. What is critical is for you to evaluate if you will be comfortable with just the minimum auto insurance.
I hope that I have explained it well enough, June; please feel free to contact me again if you have any other questions.
Tags: auto insurance, collision insurance coverage
Young Driver Auto Insurance Discounts in Ohio
Reader’s Question:
We promised our teen daughter that she can borrow our car every now and then if she’ll get an average of B or higher. She got an A which pleases us immensely. But now am starting to get worried. I’m not sure I’m ready to let her be out on the wild road, and also, our insurance premiums will surely be higher once we add her to our auto insurance in Canton Ohio OH. How do I get out of this?
Emma
Canton OH
Emma, surely you can’t keep your darling daughter inside your house forever. There will really come a time when you have to let her take the world on her own. The best thing you can do is provide all the protection and coverage you can for her, and that includes auto insurance. Yes, it is definitely true that your auto insurance premiums will increase once you add her to your list of authorized drivers. But surely you’d rather pay this than risk having to pay a much larger sum in the eventuality that something happens to her while driving the car? Depending on what kind of insurance you have in Canton Ohio OH, you can also compensate this with a health insurance.
Also, please take note that your daughter already made things easier for you. Many insurers in Canton Ohio OH will give discounts for teens who maintain an average of B or better. Being an A student definitely helps! She just has to maintain this good set of grades and you will have auto insurance discounts.
You can also surf the net for online quotes so you can compare how much the increase will be in your existing auto insurance. Just enter your zip code and answer a few questions to get free quotes in minutes. From one mother to another, i’m telling you – this is just the beginning, Emma. There will be many other things that your daughter will explore and again, your job is to take a back seat and let her learn!
Affordable Comprehensive Auto Insurance in Ohio
Reader’s Question:
I have a comprehensive insurance in Cleveland Ohio, and I’m telling you it’s not cheap! I’m about to renew it and my agent is asking if I’d like to upgrade it and include gap insurance? What’s that? Is he trying to pull one on me?
Jimmy
Cleveland OH
Hold it there, Jimmy, no one’s trying to get smart on you. Comprehensive insurance are really more costly than other insurance because it offers far more coverage for the policy holder. It offers coverage not only when you are in the road (which is the usual case for liability and collision coverage) but also when you are innocently parked somewhere. If some naughty kid decides to leave a “Jimmy was here” spray paint on your car, your comprehensive auto coverage in Cleveland Ohio OH will pay for the costs of having your car restored.
Gap insurance, on the other hand, offers a very special kind of protection which is very useful for new cars on auto loan or leased cars. If you have purchased your car through an auto loan in Ohio , you naturally have to pay it over a period of years. If before you were able to fully pay your loan you got into a nasty accident and your car was beyond repair, your comprehensive auto insurance will “pay” you the fair market value of your car prior to the accident. This will most of the time be less than the value you owe on your loan because of devaluation. Gap insurance, if you have one, will “pay” the remaining balance of your loan which was not shouldered by your comprehensive insurance. So you see, there is no redundancy between comprehensive auto insurance and gap insurance.
To make doubly sure that your insurer is not getting smart on you, you may want to get free quotes online for gap insurance. On this page you will see a space where you can enter your zip code and it will give you quotes on how much auto insurance costs. It can serve as a guide when you get back to your insurer.