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Coverage Spotlight
​Product Spotlight
     A guide to help you understand
     Coverage, Deductibles and Limits  
     on your Auto Insurance



All auto insurance policies include liability, which protects you financially if you are responsible for an accident. It is a required coverage in Ohio. You can also purchase optional coverage to protect your investment, help with medical bills or even assist you if your car breaks down. Please refer to your policy for coverage specifics.

Liability

  • We pay if you injure someone under Bodily Injury, which gives you a per person and maximum per incident limit

  • Coverage to compensate someone for the damage of their property caused by you is covered under Property Damage with a limit per accident 

  • Ohio minimum is...
                $25,000 per person, 
                $50,000 per accident Bodily Injury 
                $25,000 Property Damage

Uninsured/Underinsured Motorist Bodily Injury

  • Will pay for medical expenses, lost wages when you are hurt in an accident caused by someone who has insufficient or no insurance

Uninsured Motorist Property Damage

  • We pay to repair your vehicle for damage caused by an insured motorist

MedPay

  • Will pay cost of reasonable or necessary medical care you get as the result of an accident, regardless of who is at fault

Collision

  • Will pay to repair damage to your car when you hit or are hit by another object regardless of fault

Comprehensive 

  • Will pay to repair damage to your car that’s caused by something other than collision such as fire, theft, vandalism, flooding or hitting an animal

Rental Reimbursement

  • Will pay for a rental car while car is being repaired due to a comprehensive or collision claim

Roadside Assistance

  • Will pay for your vehicle to be towed or serviced at the scene of disablement.

Loan/Lease Payoff (Gap)

  • This will pay the difference between the settlement amount and the amount you owe a bank if
  • Your car is determined to be a total loss.