Acquiring the right automobile insurance begins with having the appropriate knowledge of the requirements of your state. The Neff Insurance Group excels in locations such as Hamilton, Fairfield, West Chester, Mason and Monroe, which are located in the state of Ohio.
The coverage types typically necessary Ohio are:
• Bodily Injury Liability
• Property Damage Liability
• Uninsured Motorist
• Underinsured Motorist
• Medical Payments
Bodily injury liability provides coverage for expenses in relation to injuries or death of another driver or pedestrian when you are deemed at fault in an accident. An auto insurance plan can aid your ability in paying for bills such as medical expenses, funeral expenses, emergency assistance at the scene, income loss compensation and legal defense fees.
Property damage liability consists of coverage for expenses that occur when you cause damage to someone else’s property such as their car or home. This type of coverage can provide funding for bills for the repairing or replacing of a vehicle, structural damage to a house or the replacing of a stationary object.
An uninsured motorist coverage plan is for medical expenses in the event of you being in an accident, but indeed not at fault, and the fellow driver does not possess insurance. It also covers for expenses related to the repairing of any damage suffered by your vehicle.
Underinsured motorist coverage is intended for when a driver who hits you or your vehicle lacks a sufficient amount of auto insurance. Under this coverage, the difference between the other driver’s coverage and your personal bills will be covered up to your policy’s limits.
The medical payments option covers your medical or funeral costs when you or your passengers are injured in an accident, no matter who is at fault. Coverage can extend to protecting you or a member of your family being in hurt in another car or even as a pedestrian. This differs from health insurance, as it covers your passengers and assists in co-pay coverage. When an accident happens, you may need to make visits to the doctor or hospital, need an x-rays, require surgery or even pay EMT fees.
Collision coverage is specific to expenses needed to replace or repair your car when it has been blemished in an accident. This involves hitting another car, colliding with a stationary object or even an accident taking place while your car is parked or idle. A key element to this type of coverage is that it includes a deductible, which occurs when some of the damage is paid by you out of pocket, and the remaining amount is covered by your vehicle’s value.
Comprehensive coverage is similar to collision coverage, but it is geared to repairing and replacement expenses need when your vehicle has been damaged from a storm or vandalism. Objects can fall on your car, natural disasters can happen, windows can be shattered and animals can even cause damage. Also, like collision coverage, comprehensive coverage comes with a deductible.
Don’t be overwhelmed by all of the available auto insurance options. The Neff Insurance Group will make finding the right insurance plan simple and affordable. Your shopping will be supported by our willingness to present rates from multiple insurance agencies, as well as our ability to clearly explain your options. With our help, you’ll be able to rest easy by knowing you’ll be equipped to make the best decision for you.
Contact us today at (513) 896-6700!