Auto insurance in Westerville, OH provides the financial protection your family needs after an accident. A hit-and-run can leave your family devastated, and you without a ride to work or a way to take the kids to school. Your policy may help, but it depends on your coverage. 

Level of Coverage

Liability policies, often referred to as state minimum policies, will not cover damage to your vehicle under almost any circumstance. These policies only cover damage to the other person’s vehicle. 

Collision coverage pays if your vehicle is hit in an accident or struck by a falling object, and is usually the coverage that helps pay for repairs to your vehicle. 

Uninsured motorist coverage may kick in if you can find out who was at fault and prove they didn’t have coverage. However, this does vary by state and company. An agent at Associated Insurance Agencies Inc. can help you learn if this type of coverage can help you. 

You Must Pay the Deductible First

Every policy has a deductible. Most people pick their deductible when they purchase the policy. You must pay this portion before your coverage will kick in and pay the rest. For example, imagine there is $1000 in damages to your vehicle, but your deductible is $500. You must pay $500, and then your insurance will pay for the rest. 

Additional Coverage Options

Most policies don’t automatically include things like rental car reimbursement, but many companies offer this option as an add-on. Having additional coverage can make sure that an accident doesn’t disrupt your life or result in you losing your job. 

Representatives at Associated Insurance Agencies Inc. can help you find the perfect level of coverage to give you peace of mind. Contact us today. We’re currently serving the Westerville, OH area.