Auto Insurance in Akron, OH

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Why Do You Need Auto Insurance in Akron, OH?

Although many people associate Ohio with farming communities, Akron is proof that the Buckeye State has big cities, too. Before you relocate to Summit County's seat and get involved with healthcare or manufacturing, make sure you have a good auto insurance plan. If you're still wondering why you need auto insurance in Akron OH, check out this list of the top reasons.

To Keep Your Budget Safe

Accidents can cause devastating damages on major highways such as Vietnam Veterans Memorial Highway and side streets such as West Thornton Street. If you're at fault for an accident, you must cover the cost of repairing your vehicle and any others involved. You're also liable for all injured parties' medical bills.

The National Safety Council estimates that when accidents result in death, they usually cost around $1.41 million per person who has passed. If people get injured, the cost is closer to $78,000, while if the damage is only to vehicles, repair costs average around $8,900. For the average driver, these costs are prohibitive enough that purchasing auto insurance in Akron OH is the only viable option.

To Follow the Law

Ohio requires all drivers to have the following amounts of auto coverage:

  • $25,000 to cover damaged property repairs
  • $25,000 to cover hospital bills for one injured or deceased person
  • $50,000 to cover hospital bills for more than one injured or deceased person

You may purchase car insurance policies with higher limits if you're worried about bills, but these are the state-mandated minimum limits.

Not only do you have to own insurance to legally drive in Akron, but you must also be able to prove that you have a policy. Penalties for driving uninsured or failing to prove that you have insurance include fines between $50 and $600 and suspension of your license. You may have your vehicle and license plates seized for at least a month. Also, if you refuse to surrender your license and must go to court, you may face other penalties.

To Protect Yourself After an Accident

Having auto insurance in Akron OH makes it easier for you to recover from accidents. Healthcare is expensive in the US, but if you have medical payments or personal injury protection coverage, your auto insurance helps pay your bills. Most policies cover surgeries, ambulances, diagnostic tests, and deductibles on your health insurance plan.

In Ohio, PIP coverage is not mandatory. Investing in it ensures that your medical bills won't make you go bankrupt and that you can recover from accident-related injuries.

To Get Back on the Road

The most expensive accidents involve people getting hurt or dying, but even ones that just involve car damages can be pricy. If you purchase liability insurance, your insurer covers any property damages associated with accidents that you cause. These damages include repairs for your car and any other cars in the accident. For example, if you rear-end another car at a red light and you have liability insurance, your plan helps you fix both parties' bumpers.

When you're not at fault in an accident, your insurance policy does not cover the damages; the other party's insurance company is responsible for that. If he or she is driving uninsured, though, it may be difficult to receive help with repairs. As a result, it's a good idea to carry uninsured or underinsured motorist coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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