Category: Auto Insurance

Anyone that is in the Cincinnati, OH area will find it is easier to get around the community and city if you are a car owner. When you are looking to get a car here, you need to have insurance for it as well. There are a lot of benefits that come with this coverage. 

Meet Requirements Set by State and Lender

One of the benefits that will come with getting an auto insurance policy is that it can help ensure you meet requirements set by your lender and the state of Ohio. All drivers in Ohio are required to carry liability insurance whenever they drive a car. Further, if you have taken out a loan, you are likely required to obtain a full comprehensive plan. Getting a proper auto insurance policy will keep you in good standing with all requirements. 

Protect Asset and Yourself

It is also a good idea to get an auto insurance policy to protect yourself and your assets. If you are going to buy a car, you will want to know that your investment is supported. The best way this can be done is by getting an auto insurance policy as it will give you coverage to repair or replace the asset if you incur a loss. You will also obtain liability coverage that will offer support if you are at fault in an accident. 

Give Us A Call

If you are in the market for a new auto insurance policy in the Cincinnati, OH area, it would be helpful to call our team with McCluskey Insurance Services LLC. Our professionals with McCluskey Insurance Services LLC know the value of this coverage and can help give you the guidance you need to build a new plan that will protect you and your vehicle. 

After a car accident has happened, the insurance companies will likely make a decision about the fault. Fault essentially means that the insurance company is deciding who caused the accident and how the accident happened. Here at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, one of the questions that we are frequently asked is what happens if you do not agree with fault after a car accident.

Here are the options available to you if you do not agree with the fault:

Disputing the Information With the Insurance Company

If you do not agree with the findings of an insurance company, you can file a written appeal. In the appeal, you can state why you disagree with the insurance company about who was at fault for the accident. It is important to do this as quickly as possible after finding out the insurance company listed you as at fault for the accident. 

Providing Proof of Fault

Along with filing a written appeal, you will also have the opportunity to present new evidence that can be crucial to proving you were not at fault for the accident. This may include obtaining camera footage, submitting new photos of the accident scene, or obtaining witness statements that show you are not at fault after an accident has happened. 

Contact Us Today

Unfortunately, it can be challenging to change an insurance company’s mind if they deem you to be at fault for an accident and you do not agree with them. But it is not impossible. The insurance agents at McCluskey Insurance Services LLC, serving the greater Cincinnati, OH area, can help you with your auto insurance needs and your auto insurance claims. Reach out to us today to discuss your auto insurance needs with us. 

Making sure you have the right auto insurance isn’t always easy. Getting advice you can trust is as easy as talking to your independent insurance agent. You can count on McCluskey Insurance Services LLC in Cincinnati, OH for good advice. Our team is dedicated to making sure you get the best insurance at the best price, which is what you should expect from your friendly agent. 

Auto Insurance FAQs

When should you review your auto insurance?

You should review your auto policy yearly when you get your renewal. The first page of your new policy is your declaration page. This is a review of your coverage and it makes it easy to see all your coverage at a glance. Check your liability coverage to make sure it is adequate, and review the other coverage you have. Do you have collision and comprehensive coverage? Has your car gotten so old it doesn’t need it?  Look all the coverage over carefully. 

What auto insurance add-ons are worth considering?

If you have a new car, you might want to consider gap coverage, This will cover the difference between what you owe on your car loan and what the insurance company would pay for if your vehicle was a total loss. For newer vehicles, it can be very important coverage. If you don’t have AAA or you find it too expensive, roadside assistance coverage is very inexpensive and would provide the help you need. 

What does comprehensive insurance cover? 

Comprehensive is non-collision coverage. It covers a variety of things: weather-related damage, things falling from the sky like tree branches and hail, large animals running into your vehicle, vandalism, and theft. Glass coverage for your windshield is also included in your comprehensive coverage. 

Contact McCluskey Insurance Services LLC in Cincinnati, OH for all your auto insurance needs and any questions you may have.

In Ohio, as in other states, it is required that all vehicle owners have auto insurance for their vehicles. And, they must carry proof that they carry this insurance to be compliant with the law. If you are in Cincinnati, OH, and need auto insurance, call us today at McCluskey Insurance Services LLC. 

Required Auto Insurance in Ohio

Liability Coverage

Like many states, there are specific types of coverage that have to be present in your auto policy. There are two different types of liability coverage required with three different amounts of coverage required. All of these must be in place in order to drive your vehicle legally. In Ohio, drivers must have bodily injury liability coverage with one amount available for a single person injured in an accident that was caused by your vehicle. A second amount has to be available for everyone who was injured in such an accident. 

The other type of coverage required is property damage liability. This provides a set maximum amount for damage done to someone else’s property in an injury that was caused by your vehicle. This does not pay for any damage to your own vehicle. 

Minimum Amounts in Ohio

All three of these state-required amounts have to be present in your auto coverage, but you can always add extra coverage to your policy. Ohio has very low minimum amounts required for its auto insurance, and it is likely not to be enough in the case of a serious accident occurring. 

Get Your Ohio Auto Insurance Policy

You’re putting yourself at risk when you drive in Ohio and haven’t gotten auto insurance yet. Don’t risk facing fees and fines as well as expensive medical and property damage bills after an accident. To get your auto policy in Cincinnati, OH, give us a call today at McCluskey Insurance Services LLC.