Find out how auto insurance works to protect you and your vehicle on the road.
Get coverage to protect the vehicle you rely on.
After your home, your car or truck is likely your most valuable possession. We’ll help you find the right insurance coverage to protect that investment at a price that fits your budget. Auto insurance safeguards you from potentially devastating financial setbacks and the major inconvenience of losing your transportation.
What is the minimum coverage required?
Car insurance policies vary significantly in their coverage. Some policies offer only the minimum coverage required by law, meaning they may only cover damage you cause to other vehicles in an accident. In no-fault states, your policy might also cover damage to your own car or truck. Additionally, most states mandate that policies cover a portion of medical expenses resulting from a car accident.
Find Your Coverage
We’re here to help you explore your coverage options.
Contact Chip Berry Insurance
Milford, OH Office
1077 OH-28 Ste 205,
Milford, OH 45150
Call: 513-444-2100
Email: cberry@berry-agency.com
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Note: Actual policies must be consulted for specific terms and conditions.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Note: Actual policies must be consulted for specific terms and conditions.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Note: Actual policies must be consulted for specific terms and conditions.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Note: Actual policies must be consulted for specific terms and conditions.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Note: Actual policies must be consulted for specific terms and conditions.
How does bodily injury liability cover you in a car accident?
If you’re involved in an accident that injures someone else, bodily injury liability coverage helps pay for their medical expenses, up to the limit you choose. This coverage protects you from the potentially high costs of medical bills and legal claims associated with injuring another person in an accident.
What is uninsured/underinsured motorist coverage?
If you’re hit by a driver who doesn’t have insurance or has insufficient coverage, uninsured/underinsured motorist coverage can step in to help. This coverage can pay for your medical bills and lost wages, protecting you from the financial burden of an accident caused by an irresponsible driver
Protect your vehicle with auto insurance add-ons.
Beyond the basics, many auto insurance policies offer broader protection for your vehicle. These policies can cover damage or loss due to theft, fire, or even accidents that don’t involve other cars, like hitting a deer or a tree. You can also find policies that protect you if your car is damaged by an uninsured driver, ensuring you’re not left to cover the costs yourself.
Are you looking to protect yourself and your vehicle with the industry’s best auto insurance? Reach out today and safeguard your vehicle’s future with our top tier auto insurance and car insurance solutions!
Auto Insurance FAQ
What are the minimum auto insurance requirements in Ohio?
Ohio requires liability coverage of at least:
- $25,000 for bodily injury per person
- $50,000 per accident
- $25,000 for property damage
However, many drivers choose higher limits for better protection.
What does auto insurance cover?
Auto insurance can include liability, collision, comprehensive, uninsured/underinsured motorist coverage, and medical payments coverage.
Is full coverage required in Ohio?
“Full coverage” is not required by law, but lenders may require it if you finance or lease your vehicle.
What is the difference between collision and comprehensive coverage?
Collision covers damage from accidents involving other vehicles or objects. Comprehensive covers non-collision events like theft, vandalism, weather damage, or hitting an animal.
How are auto insurance rates determined?
Rates are based on factors like your driving record, age, vehicle type, location (Cincinnati area), credit history, and coverage selections.
Do I need uninsured motorist coverage in Ohio?
It’s not required, but it is strongly recommended since it protects you if you’re hit by a driver without adequate insurance.
Can I insure multiple vehicles on one policy?
Yes, and doing so often qualifies you for a multi-vehicle discount.
What should I do after a car accident?
Ensure everyone is safe, call emergency services if needed, exchange information, document the scene, and contact your insurance provider as soon as possible.
Does my insurance cover rental cars?
Many policies extend coverage to rental cars, but it depends on your specific policy. It’s best to confirm with your agent.
How can I save on auto insurance?
You can lower your premium by bundling policies, maintaining a clean driving record, increasing your deductible, and taking advantage of available discounts.
Step 1
Fill out the form.
Step 2
Review your options with us.
Step 3
Get the coverage you need.
Auto Insurance Quote Request
Don’t like forms? Contact us at 513-444-2100 or cberry@berry-agency.com.