Did you know in 48 states, you’re required by law to carry car insurance? Yes, even in Ohio, auto insurance is required! 

Not only is car insurance designed to protect you, but it also protects others. 

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else.

Auto insurance usually consists of the following protections:

• Liability: protects others involved in accident for their property damage, car damage(s) and/or injury(s), in case you are found at fault.
• Collision: in the event your car is damaged by a collision with another car or object.
• Comprehensive: if your car is damaged by anything other than collision, most commonly glass damage, windshield breakage, colliding with an animal.

But additional protection may include:

• Medical Payments - a selected limit of injury protection, even if you are not at fault; if you have to pay on an injury for yourself or a passenger.
• Emergency Road Service - a selected, optional coverage, most useful if you are ever stranded in your vehicle.
• Uninsured Motorist Protection - provides protection for you and your passengers in a not at-fault accident, against uninsured drivers.
• Rental Reimbursement - after a car accident, you need a rental car while yours is being repaired, your carrier can reimburse your expense.  

When considering your car insurance protection, in most states, the auto insurance follows the car. 

This means if you allow a family member or friend to drive your car around Ohio or the surrounding areas, and they have an at-fault accident, your car insurance pays.  

The at-fault driver would receive charges against their drivers license, but would not be responsible for damage done to another's property, car, or their injuries. 

When hauling or pulling a trailer, the only insurance coverage available (without a separate insurance policy on the trailer) is liability.  If you are involved in an accident and your trailer becomes dented or destroyed while attached to your vehicle, without a trailer policy to cover the physical damage,  you would be paying out-of-pocket.  Trailers come in a variety of types: utility, covered, box, horse, boat, gooseneck, flatbed, customized, and enclosed and range from $1500 to $100,000+.  Insuring them correctly is affordable.  

Your car insurance is primary.  Your driver, if they have their own car insurance, would be secondary, and only if your limits of liability were completely used up and you had no  Personal Umbrella insurance policy.

If the driver does not have insurance and you do not have a Personal Umbrella policy, legal actions could occur for resolution towards the owner of the car. 

Out of all the claims we see on a daily basis in Ohio and other states, few are as frequent or as potentially life-changing, as accidents involving an automobile.

You may think you want the cheapest insurance you can find, but your policy may not cover as much as you think, potentially leaving you at risk and on the hook for what is left over.  

Keep in mind, you cannot buy auto insurance after you have an auto accident.  

As your agent of choice in Ohio, it is our job to keep you safe and protected. 

Contact us at Consultative Insurance Group today. 

We will: 

1. Listen to your individual insurance needs and risks during our consultative insurance interview.
2. Shop multiple companies.
3. Help establish the insurance protection and limits you find valuable and affordable.  

We do not offer cookie-cutter automobile insurance policies for our Ohio clients.  Each valued client is unique. 

While most insurance products are similar in price and function, insurance companies vary when it comes to structuring a car insurance policy tailored to fit you.

With Consultative Insurance Group by your side, we will shop multiple reputable insurance companies, educate you on insurance protection coverage and options, and create a policy which suits your need and budget. 

Sometimes things change after you purchase your  auto insurance plan.  To keep up with your changing life, we suggest reviewing your auto insurance policies at least once a year to make any necessary adjustments of coverage.  

Contact us today for an auto insurance quote, and/or trailer insurance -- we'll help you protect what matters most.

Know of any friends or family in Cleveland, Akron, Parma, Toledo, Columbus, Broadview Heights, Westlake, Avon Lake, Bay Village, Lorain, Strongsville and Olmsted Falls who could benefit from our car insurance services? 

We are happy to help!  Simply request a quote here, stop by our office, or give us a call!