If you drive and reside in Cleveland, Athens or Logan, Ohio… you are legally required to have auto insurance. The state of Ohio requires it! The most important thing to know is what kind of automobile insurance suits your lifestyle and wallet.
Athens Ohio Auto Insurance: Automobile Lifestyle?
Yes, lifestyle. For example, do you drive a truck, sports car, minivan or a four-door sedan? Do you drive to and from work at either short or long distances? Are you a rideshare driver and use your personal car for business? There are a lot of variables at stake when shopping around for the best auto insurance in Ohio. Athens, Ohio auto insurance can be costly and may not extensively cover you and your loved ones as much as you initially thought. Talk to our insurance experts to find out how our services can benefit you at the lowest cost possible. Let’s be honest, who doesn’t wish they didn’t have to pay for auto insurance? At O’Nail Hartman Insurance we are here to help you answer those stressful and confusing insurance questions.
A photo of a King Midgets from WOUB.org & kingmidgetcarclub.org
Owning a car, truck, a car crash can easily happen. Let’s rewind to understand some Ohio insurance policies a bit better. There are about three main types of truck and auto insurance policies available which are: Liability, Collision and Comprehensive. In Ohio, liability insurance covers injuries and damage to ONLY the other party, not your car or yourself. Collision insurance covers the cost of the other party involved plus the cost of repairing your car, regardless of who was at fault. Comprehensive insurance covers your expenses and the other party’s regardless of fault when there is no collision involved. The other party could be a tree or a guardrail or wildlife, etc. In addition, you can get coverage in case there is an uninsured driver involved in the accident.
The Scene of an Accident in Ohio
At the scene of an accident, car, truck, car crash, the first thing you should do is make sure that everyone is okay. Safely exit the vehicle and find a safe place away from the road. If possible, clear the crashed vehicles out of the road to a side shoulder or center divider. Once you have taken the safety precautions, start taking photos and writing down the other party’s information. Write or take photos of the make, model and license plate number of their vehicle. If the other party states that they are insured, grab a copy of their proof of insurance and you may even want to call their agent on the spot just to double check. Perhaps you can get witnesses to the crash, if so, call the police if they haven’t arrived already, and get a copy of their statement. Are there other passengers involved? It’s smart to also get those passengers names and information (if possible).
As technological advances aid to make our lives easier, it can also, unfortunately, cause more harm than good down the road. Pun intended. A main culprit of car accidents nowadays are cell phones. Ever check your social media and see friends post videos of themselves singing along to a song in their car? Check out the background, is the car moving? Big no-no. It’s especially important to teach our kids about the modern safety hazards of driving. Auto Insurance Athens Ohio (Car) can help your new teenage driver get the best car insurance policy possible. No matter how awesome that snapchat story while driving may look, it’s best not to take the risk.
Dealing with a car, motorcycle or truck accident is a pain and that’s why we offer some of the best professionals in the industry of Athens, Ohio auto insurance. We want you to keep a peace of mind each day on your way home from work, when you’re on route to pick up the kids from school, or when driving out for a family vacation. Call or email us for an appointment today!