Auto Insurance in Toledo, OH
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Discover a Good Life in the Glass City
Roughly 50 south of Detroit and 100 miles west of Cleveland is the great city of Toledo, Ohio. This bustling city is beautifully situated along the shores of Lake Erie and on the banks of the Maumee River. Despite its proximity to the major hubs of Ohio, Toledo has a close-knit community feel that resembles a charming, small town. Nothing is small about this city, though. It boasts of entertainment venues, dining options, cultural amenities and outdoor recreation space that rivals other major Ohio cities.
Visitors and residents alike enjoy the world-class art museum, which hosts multiple cultural opportunities and engaging events each year. Toledo has a ballet and a symphony, as well as minor league stadiums that earned recognition as being one of the best by Newsweek magazine. The triple-A team Toledo Mud Hens play Fifth Third Field and are affiliate with the Detroit Tigers. Toledo also has its own hockey team, called Toledo Walleye, which has been affiliated with the Detroit Red Wings in the National Hockey League and the Grand Rapids Griffins of the American Hockey League.
Toledo has earned its spot as one of the four largest metropolitan areas of the store for its diverse neighborhoods, short commutes and affordable cost of living. It is home to several large industries, such as the Jeep Corporation, Libbey-Owens-Ford, Owens-Corning Fiberglass and Libbey Glass. The proximity to Lake Erie makes it a major part of the shipping industry, and roughly 2,000 foreign and U.S. vessels visit the city each year. With so much to do all around Toledo, you can constantly find yourself coming and going. Make sure your vehicle is protected through VIU by HUB’s industry-leading auto insurance.
The Requirements for Car Insurance in Toledo OH
Car insurance is a way to protect yourself and other motorists on the road in the event you get into an accident while driving down Interstate 75 or taking the Ohio Turnpike. Insurance is also a way to protect yourself from the expenses of damage to your car if theft or vandalism takes place. Insurance isn’t just a good suggestion. Car insurance in Toledo OH is required by the state.
Ohio has a mandatory insurance law, which states that you must have insurance or proof of financial responsibility if you are going to drive a motor vehicle. It also goes so far as to state that a vehicle owner cannot let another person drive the vehicle unless that individual carries proof of financial responsibility. The state will accept a bond as proof of financial responsibility, but VIU by HUB’s auto policies are more comprehensive and beneficial for auto owners. There are minimum requirements for coverage, and these include:
- $25,000 for bodily injury or death for one person
- $50,000 for bodily injury or two for accidents involving two or more people
- $25,000 for property damage liability per accident
The Dangers of Too Little Car Insurance in Toledo OH
While an insurance policy will cover you up to the amount of the limits, carrying only the minimums could leave you paying for remaining expenses and losses out of pocket. You could also potentially be held legally responsible for the costs associated with your vehicle and injuries as well as the other parties involved in the accident. Working with our VIU by HUB brokers will ensure that you carry enough coverage to address these serious situations. Our plans can include coverage in the following areas:
- Full glass replacement
- Electronic equipment
- Towing and labor
- Underinsured and uninsured motorists
This information is intended for general informational purposes only and is not intended to constitute legal advice.