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Choosing The Right Amount Of Auto Insurance For Your Family

Choosing The Right Amount Of Auto Insurance For Your Family

Every day we get behind the wheel of a car, we assume responsibility for our lives and the lives of others on the road. You can be the best driver in the city, but that doesn’t mean you’re at any less risk of an accident. And while we can’t control what other drivers do, we can control the potential financial toll of a car accident by having the right auto insurance coverage.

Having a policy in place that beats the minimum legally required coverage can protect you and your family from excessive financial strain, fighting insurance companies, and at worst — being sued or experiencing wage garnishment. But what kind of coverage should you add to your auto policy?

Required Ohio Auto Insurance
In the state of Ohio, drivers are required to have a certain amount of insurance to legally be on the road. According to the Ohio BMV, the minimum required insurance in Ohio is:

  • $25,000 for injury/death of one person
  • $50,000 for injury/death of two or more people
  • $25,000 for property damage

For the average accident, that’s nowhere near enough and puts the driver at fault at risk for financial strain. That’s why our auto policies begin at $250,000 per person and $500,0000 per accident to protect you and your loved ones.

Comprehensive Coverage
Comprehensive covers what collision doesn’t, such as theft, fire, storm damage, vandalism and even hitting a deer while driving at night. Having this form of coverage helps pay to replace or repair your vehicle. 

Uninsured/Underinsured Motorist Coverage
It is an Ohio law that all drivers must carry liability coverage, but that doesn’t mean everyone on the road has it, or has enough of it to cover damages and especially medical bills. If you get into an accident with someone uninsured or underinsured, you can spend months, if not years trying to get paid for damages. 

That’s why it’s good to consider Uninsured/Underinsured Motorist Coverage if you’re driving in Ohio. It’s better to have the coverage and not need it than need it and not have it.

Adding Family Members To Your Policy
Do you have a teenager with a license but no car? If he or she borrows yours to drive to school or to see friends, you need to add them to your policy. On the other hand, if you are the one without a car but drive your spouse’s car, consider getting non-owned coverage. This provides liability coverage for you and can include uninsured/underinsured motorist coverage as well. 

No one ever means to cause an accident or damage property, but it can happen.

SFM Insurance Can Help
Auto insurance isn’t a luxury, it’s a necessity. SFM Insurance wants to make sure you and your family are safe and protected on the roads. We can help find the best auto insurance policy to protect you from covered and non-covered drivers. Unlike some other agencies, we take the time to listen to your goals and then craft a policy based on your specific needs. Visit our website or call 937-382-2546 for more information. For more tips and our latest updates, visit us on Facebook, Twitter or LinkedIn!