Auto Insurance in Youngstown, OH
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Choose Auto Insurance That Gives You Peace of Mind
Situated among the foothills of the Appalachian Mountains, Youngstown, Ohio, is part of the Youngstown-Warren-Boardman, OH-PA Metropolitan Area and is home to more than 65,000 people. Because it is also near to Cleveland and Pittsburgh, as well as the halfway point between Chicago and New York City, Youngstown sees quite a lot of traffic. Whether you live in the area, are visiting the culture and entertainment hub downtown, or are just passing through, you need to protect yourself when you're on the road. VIU by HUB offers auto insurance in Youngstown, Ohio.
How To Determine How Much Auto Coverage You Need
One easy way to determine how much auto insurance in Youngstown, OH that you need is to understand Ohio auto insurance laws. At a minimum, you'll need a 25/50/25 policy. Ohio law requires you to carry $25,000 to cover medical bills or end-of-life expenses for anyone injured in an auto accident (or $50,000 for two or more people). It also requires you to have coverage of $25,000 for any property damage. If you don't carry the minimum liability policy, you risk losing your license for up to two years and paying hefty fines.
While the minimum guidelines are helpful for minor accidents, $25,000-$50,000 in coverage is often not enough for more serious accidents. For this reason, you may want to consider a higher liability policy. Keep in mind that you'll be responsible for any dollar amount above what your policy covers. This means an accident that causes $40,000 in property damage will cost you $15,000 if you only have the minimum required coverage.
You may need to consider comprehensive coverage as well. Liability insurance only covers damage done in an accident. If a tornado, fire, or theft were to cause damage to your vehicle or the items inside, you wouldn't be compensated. For comprehensive coverage, you need a comprehensive policy. Look for one that costs no more than 10% of the cost of your car's value, less the deductible.
Our Insurance Options Don't Stop There
At VIU by HUB, we take insurance seriously. We know that even a minor accident causes inconvenience and stress, so we go above and beyond to help you create a customized coverage plan for your auto insurance in Youngstown, OH. You have several options to choose from.
- Medical Expenses –MedPay insurance is important if you drive often or for long distances. It helps you cover medical bills whether you or another driver were at fault in the accident. However, it doesn't provide as much coverage as a PIP policy and won't help with lost wages.
- Personal Injury Protection –Even though Ohio doesn't require this coverage, your auto lender might. It provides you and your passengers with additional medical coverage after an accident and may help with lost wages if you need to take time off work.
- Rental Reimbursement –You'll still need transportation while your car is being repaired after an accident. We can help you create a policy that provides reimbursement if you need to rent a car or use ridesharing services.
- Towing and Roadside Assistance –For added peace of mind, consider adding coverage for towing and roadside assistance. This is especially helpful if you get a flat tire or run out of gas but weren't in an accident.
In addition to the policies above, you may want to consider coverage for uninsured and underinsured motorists. Unfortunately, not everyone carried the insurance required. If someone is at fault in an accident but doesn't have coverage, you'll need a policy that can protect you from having to pay your own medical or car repair bills out of pocket.
This information is intended for general informational purposes only and is not intended to constitute legal advice.