Category: Auto Insurance

Ohio like most other states has mandated auto insurance coverage. You are required to carry liability insurance to protect other drivers from you. At Schneider Insurance Agency in Gahanna, OH, we make it our business to know the laws in the state and make sure you have the right amount of insurance to keep you legally on the road. 

Ohio auto insurance 

The amount of mandated liability is 25/50/25. That means $25,000 for injuries to one individual in the accident with $50,000 for all the injuries from the accident. Another $25,000 is for damage to property which includes the other vehicle. This is what is known as basic auto insurance. It may be enough for some people, but not for everyone.

If you have a vehicle lease or loan, you are not going to be able to get away with just having liability insurance. The bank or dealer holding the lease or loan will require that you have insurance on the vehicle itself. You will need to carry collision and comprehensive auto insurance to protect the vehicle. 

Collision coverage covers the vehicle in the event you are the cause of an accident or if you are a victim of a hit-and-run. It will pay to repair or replace your vehicle. 

Comprehensive coverage covers theft, vandalism, and an abundance of things other than a collision that can damage your vehicle

If you are like most people, you need your vehicle, and having just the required coverage will protect your assets, but it won’t replace your vehicle or repair it if you damage it. If you don’t have the money to repair or replace your vehicle, it is best to have the additional coverage you need. 

Reach Out To Us

Give the office of Schneider Insurance Agency in Gahanna, OH a call when you are in need of auto insurance. 

Especially in the winter, car accidents are terrible. Cold weather with a disabled car can be a frightening circumstance, but if you keep your wits about you, these tips from your insurance agents at Schneider Insurance Agency, serving the greater Gahanna, OH community, can help you get through the first hour after an accident.

What To Do After An Accident?

Get To The Side But Don’t Drive Away

If it’s possible, if your car can be driven, make sure that you get over to the shoulder so that traffic can pass freely. Do not drive your car away from the scene of an accident. Once you’re as safe as you can make yourself, call 911. Especially when you’re in traffic, the sooner police arrive the better. If your car can’t leave the roadway, the police will be able to cordon off the road behind you and around you, creating a lane of safe passage for other vehicles so you can get out.

Exchange Information With The Other Driver

You’ve been told this since you were in driver’s ed. When you’re in an accident you have to exchange insurance information with the other driver. It’s not just the law, it’s also a good idea. Your insurance agent at Schneider Insurance Agency serving Gahanna OH can help you know what information you need to share so that you can be on the road and get your vehicle towed quickly.

Don’t Admit Fault, but Be Courteous

Ohio is an at-fault state for auto accidents. Any admission of fault in the case of an auto accident will result in fault being assigned to you.

Take Photos To Document The Damage

Collisions are scary, but you need to make sure that the damage to your car and the other car is documented. You are responsible for all accident damage, but only the accident damage.

Get Auto Insurance Today

You don’t want to be without adequate coverage in case of an accident. Give our insurance experts at Schneider Insurance Agency in Gahanna, OH a call, and we’ll get you started.