Auto Insurance in Lorain, OH
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Car Insurance You Can Count On
Situated in northeastern Ohio near Lake Erie, Lorain, OH, is home to more than 60,000 people and is part of the Greater Cleveland area. Proximity to the city means that many people live in Lorain and drive to Cleveland for work. Even those who work for nearby employers like Mercy Health and Lorain City School District rely on their vehicles to get around. Whether you live in the area or are simply passing through on the way to the lake, it's important to protect yourself on the road. Driving responsibly is only part of it. Insurance is the other part. VIU by HUB's experienced agents provide Lorain car insurance that meets your needs.
Going Without Coverage Is Not an Option
In the state of Ohio, carrying auto insurance is mandatory if you want to drive any type of vehicle or allow anyone else to drive yours. If you have an accident, require a vehicle inspection, or are pulled over, you will need to provide proof of insurance. Ohio requires drivers to carry a minimum 25/50/25 policy.
The numbers stand for $25,000, $50,000, and $25,000 respectively. If you are in an accident that causes the injury or death of one person, your insurance should provide $25,000 for medical bills and end-of-life costs. If your accident causes the injury or death or two or more people, your policy must cover up to $50,000. The final amount of $25,000 covers any property damage for all affected vehicles.
Driving without the required minimum Lorain, OH car insurance could leave you in a serious predicament. In Ohio, the first offense is losing driving privileges until you have insurance. A second offense means you can't drive for a year and a third offense takes you license for two years. You'll also be required to pay penalties and fees. You don't have time to sit at home after an accident, so it is important to ensure you have the minimum coverage now.
Protect Yourself More with Higher Insurance Limits
The truth is the minimum Lorain, Ohio car insurance required is not enough coverage for most people. Unless you rarely drive, you probably need better protection. Medical bills can cost thousands of dollars for even minor injuries, and totaled cars often quickly go through the minimum coverage as well. Without a higher coverage limit, you'll be on the line for any additional financial needs. When you talked to our team at VIU by HUB, we can discuss your driving habits to help you determine how much coverage you really need. We can also help you decide about other types of coverage.
- Comprehensive Coverage –Liability coverage only provides funding if you are in an accident. It won't protect your car or the property inside from hail, vandalism, theft, or fire. If you want to ensure your coverage is enough, you'll need a comprehensive policy.
- Uninsured Motorists Coverage – Not everybody on the road is driving responsibly. If someone is at fault in an accident but is uninsured or underinsured, you'll need a policy to protect you from having to take the financial hit. This will also be important should you ever fall victim to a hit and run.
Additional options may include coverage for rental reimbursement, towing, classic cars, and more. We will discuss your options and your budget to help you find exactly the protection you need when you're on the road.
This information is intended for general informational purposes only and is not intended to constitute legal advice.