Required Auto Insurance in Ohio

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Driving in Ohio requires a number of different minimum coverages to stay legal. The Ohio Financial Responsibility Law sets the amounts and makes it mandatory to pay for an accident that you cause. When you go to renew your license or your auto registration, you have to sign a paper saying that you won’t drive without insurance. Ohio also has the Random Selection Program for drivers. This allows the Bureau of Motor Vehicles to pick you at random to prove that you have insurance. To make sure you have the coverage you need, call us at Associated Insurance Agencies Inc. in Westerville, OH.

Coverage for Bodily Injury

If you have caused an accident, you will be responsible for the medical bills of the other parties in the accident. This type of coverage is called bodily injury liability, and you must maintain a minimum amount of it that will cover each person who has been injured in the accident. There is another amount that you must carry in order to pay the medical bills of more than one person who were in the accident. It’s often recommended to add to your bodily injury coverage, as medical bills have gotten more expensive in recent years. 

Coverage for Property Damage

Property damage is the other required part of insurance in Ohio. There is a specific minimum amount you must have for any damage you cause to someone’s property during the accident. This may include another vehicle from the accident or even someone’s building if your car did damage to one. 

Call For Your Appointment

If you need auto insurance, don’t let another day go by. Call us at Associated Insurance Agencies Inc. in Westerville, OH to make your appointment with a knowledgeable insurance agent about your coverage. 

A Guide To Help Ohio Residents Find The Right Auto Insurance Policy

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Associated Insurance Agencies Inc. serves the Westerville, OH community, as well as the surrounding areas, by offering residents multiple types of insurance policies. We strive to provide dependable service to our clients when they need it most. For over 30 years, we have established great relationships with multiple carriers throughout the Midwest.

Auto Insurance

Auto Insurance helps you stay safe on the road as you travel through Westerville OH and beyond. Auto insurance primarily protects you if you are involved in a collision with another vehicle and damages occur. Liability coverage will cover you if you are believed to be responsible for the damages caused by the accident. Liability coverage also protects you if you are held liable for injuries that your passenger sustained during an accident.

Comprehensive coverage protects your vehicle if it is vandalized due to a fire or natural disaster. You will also be protected if you are a victim of car theft. Uninsured motorist coverage will protect you if you are involved in an accident with someone who doesn’t have any insurance. Emergency assistance is also an asset, as a disaster can happen at any moment. The policy will cover you if you have engine troubles or a flat tire. In addition to roadside assistance, you’ll also have access to towing services. You can amend your policy to include rental coverage if you need to seek alternative transportation while your vehicle is being repaired.

Your policy may differ based on the amount of driving that you plan to do. If you plan to keep your vehicle in storage when you aren’t using it, you can add coverage to protect your vehicle if an accidental fire starts or another type of disaster happens at the facility.

Associated Insurance Agencies Inc. Will Help You Drive Safely

Visit our website today to learn more information on auto insurance.

3 Tips for Buying Motorcycle Insurance in Westerville, OH

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Did you just buy your first motorcycle? Or did you trade in an older model for a newer one? Either way, we know you’re excited to get on the open road. But first, it’s important to make sure you are fully covered. Read on to learn about three tips that will help you get started purchasing a new motorcycle insurance policy or renewing or replacing an existing one. 

1. Work with a Reputable Agent

The reputable agents at Associated Insurance Agencies Inc. are available to help customers find the right policy at the right price. These friendly agents help find savings, answer all your questions and concerns, and guide you through the insurance buying process. They’re available to speak by phone and will make buying a motorcycle insurance policy in Westerville OH fast, easy, and affordable.

2. Compare Several Quotes

To find the right policy, you need to compare several motorcycle insurance quotes from different carriers. A reputable agent can help you with this by going over the fine detail of each quote with you and pointing out the differences in coverage and cost. Keep in mind that policies differ on price point and coverage. 

3. Bundle Your Policies

If you’re looking to save money on motorcycle insurance, consider bundling your policies under one insurance carrier. You can bundle auto, home, life, recreation, and renter’s insurance, to name just a few. Be sure to ask your reputable insurance agent about other ways you can save money on new and existing policies.

To learn more about purchasing motorcycle insurance in Westerville, OH, contact the team serving this area. Associated Insurance Agencies Inc. can be reached at 800-935-2335.

When should you update your home insurance

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When you buy a home one of the first things you do is to buy a home insurance policy. Your mortgage holder is going to insist on proof before they loan you the money. Most home policies renew yearly and your insurance company will send you a declaration page. This is your policy in a nutshell and it holds valuable information that you should look over carefully. If you live in or near Westerville, OH and are looking for a locally owned and operated independent agency, Associated Insurance Agencies Inc. has a knowledgeable team to answer your questions. 

You should update your home insurance any time there is a change in your home or your financial situation. You should review your policy yearly when you get your new declaration page. 

Your income goes up

You might wonder why a raise in your income would affect your home insurance but part of your home insurance coverage is liability insurance. This protects your assets in the event you are sued. If you make more money you are a larger target and your liability coverage should rise accordingly. 

Major repair or updates

If you do major home repairs that increase the value of your home, you should update the replacement value of your home. Things such as a new kitchen, bathroom, siding, or central air conditioning can add considerable value. 

When you add safety equipment

Adding a home security system or smoke detectors is something that you should let your insurance company know about. It can lower your premium. 

Having valuables

The coverage on most home policies is quite limited and if you have expensive electronics, art, antiques, or jewelry you should consider adding additional coverage to your personal property coverage. 

At Associated Insurance Agencies Inc. in Westerville, OH we suggest a yearly policy review. If you haven’t reviewed your policy in a while, you are overdue. Give us a call or stop by our office and let us review your policy. 

Auto Insurance Coverage Options

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In Ohio, you must have at least liability auto insurance to legally drive on the roadways. This type of insurance will cover injuries and property damages sustained by others if you are involved in an auto accident that is deemed to be your fault. In addition to liability insurance, there are several other types of auto insurance coverage options you can choose from to fit your situation. If you obtained a loan from a bank or other financial institution to purchase your vehicle, there are some types of other auto insurance coverage options you may be required to have in place.

Underinsured/Uninsured Motorist Coverage

This type of insurance protects you and your vehicle if you are involved in an accident with a driver who does not have any insurance at all or does not have enough insurance to cover injuries or property damage sustained by you or your passengers.

Collision Insurance

A collision insurance policy will pay for repairs or to replace your vehicle if it is damaged or destroyed if you are involved in an accident with another vehicle or with an object. For example, if you hit a pole or building, this type of coverage will help pay for the repairs to your vehicle from any damage that is sustained.

Comprehensive Insurance

Comprehensive insurance coverage will help cover the costs to replace your vehicle or repair it if it is damaged or destroyed by a fire, vandalism, or a natural disaster, such as a tornado or hurricane. It will also help you replace your vehicle if your car, truck, or SUV is stolen.

To figure out which coverage options are best for you and your situation to protect the investment you have made in your vehicle, you should enlist the assistance of an experienced auto insurance agent. The trusted and knowledgeable auto insurance agents at Associated Insurance Agencies Inc. in Westerville, OH are ready to help you with all of your insurance needs. Call for an appointment today!

Home Insurance Facts Every New Homeowner Should Know

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As a new homeowner, you may not be aware of the importance of home insurance in protecting your new investment. The right home coverage from Associated Insurance Agencies Inc. can save you a substantial amount of money in the event of a disaster. Here are some important home insurance facts every new homeowner in Westerville, OH should know.

  • Home insurance covers damage or destruction of your home, theft, or loss of personal effects and liability issues that may arise when people have accidents on your property. This protects you from having to pay for damages or liability claims out of pocket.
  • If you have a mortgage on your new Westerville OH home, your lender will probably require you to have home coverage. Otherwise, home insurance is optional. Wise homeowners, however, will take advantage of home coverage to protect their property.
  • Home insurance coverage and costs may vary depending on your insurance company. By shopping around and comparing what different insurers have to offer, you can obtain a good deal on your coverage.
  • Factors like the age of your home, home type, home condition, and location can affect your premium costs. Working with a reputable insurer in Westerville OH will make it easier to make wise home insurance choices. You’ll also benefit from quality services and home coverage.
  • Standard homeowner’s insurance covers a wide range of perils to include theft, fire, water damage from broken pipes, rain, wind and hailstorm damage, lightning strikes, hurricanes, tornadoes, and vandalism.
  • Home insurance DOESN’T, however, cover damage caused by flooding. To protect your home from flood damage, you need to purchase a separate flood policy.

To learn more about home insurance or to purchase a home policy, contact your insurance experts at Associated Insurance Agencies Inc., serving residents in Westerville, OH, and surrounding communities.

Will Motorcycle Liability Insurance Cover Theft?

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In Westerville, OH, the only insurance that you are required to carry is liability. Many motorcyclists misunderstand what liability covers. Put simply, liability coverage begins and ends at the other party’s damages. It provides no compensation whatsoever for the policyholder’s damages. If your motorcycle is stolen, if it’s damaged in an accident, liability will not cover it.

And neither will collision. Collision insurance, as the name suggests, covers collision, and that’s it. If you are in an accident, your collision insurance will pay for the damages. If your bike is stolen, it will not.

Comprehensive is where you have full coverage. With comprehensive coverage, your losses will be covered even if your bike was parked at the time of the incident. If it’s stolen, if somebody stumbles into it and knocks it over, if it’s vandalized, you’re covered.

There may be some exclusions depending on the terms of your policy. Still, with liability, you’re protected if you are held responsible for someone else’s losses, with collision you are protected for your losses in the event of an accident, and with comprehensive you are protected against most reasonable hazards not involving a collision.

You may also want to consider gap insurance, which covers any payments you have left on your bike in the event of a total loss, and replacement, or better replacement insurance, which will get you on two wheels again right away following a loss.

If you’re looking to upgrade your coverage in Westerville, OH, or you just have some questions, you can get in touch with us at Associated Insurance Agencies, Inc. by phone, email, or in-person at the Associated Insurance Agencies Inc. offices.

Is Umbrella Insurance Worth It?

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You may consider your base insurance policy to be enough, but umbrella insurance is a unique coverage that can help when you most need it. Umbrella insurance policies only go into effect when your homeowners or commercial policies reached their maximum pay limits. As an example, if someone is injured on your property due to your negligence, it will pay any medical or legal expenses. Likewise, if your home is destroyed by fire or severe weather, it will pay to rebuild. However, when the policy is exhausted, you will be responsible for any additional funds. This can be devastating for most families. An umbrella policy covers any expenses above the base policy. In the Westerville, OH area, our team at Associated Insurance Agencies, Inc. can help you decide if an umbrella policy is suitable for you.  

In the above examples, consider the following. If someone is injured, their medical and legal expenses could run to $500,000. If your policy provides $300,000, you will be held responsible for the additional funds. An umbrella policy would provide additional money and protect your assets. 

In the Westerville, OH area, our agents at Associated Insurance Agencies, Inc. can answer any questions you may have about umbrella insurance policies. They will take the time to get to know your situation so that you can decide if an umbrella policy is right for you. You can explore your options on our website, but to truly understand the details of umbrella policies, contact us. Your agent will discuss your options and talk about how umbrella policies function. With the right information, you can decide the type of coverage that you need. With the right coverage, you’ll have the financial protection that you need. Call us today to get started!

Why Private Health Insurance Is An Option To Consider

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Associated Insurance Agencies, Inc. serves residents in the Westerville, OH community, and other cities throughout Ohio. Our main objective is to provide a reliable service to all of our clients. We have established successful partnerships with multiple insurance companies, which allows us to meet all of our clients’ needs regardless of the situation.

Private Health Insurance

Associated Insurance Agencies, Inc. strives to ensure that our clients are covered in the event of a medical emergency. Having a good health insurance policy will allow you to live comfortably. While you are researching different health insurance options, it may benefit you to explore private health insurance.

Private Health Insurance Overview

Having a private health insurance policy gives you additional control regarding your health. You’ll have the ability to choose your own doctor. This should help you develop a bond, as your doctor will start to memorize your ailments and figure out which treatment plans work best for you.  

You’ll also have to deal with shorter wait times to see your doctor. Often, you may have to wait for weeks or even months to see your doctor unless you have a severe medical emergency. In the private sector, you’ll likely experience much shorter wait times because your doctor won’t be as busy.

Having private health insurance will also give you access to private hospitals and medical facilities. Generally, at a private facility, you’ll receive access to enhanced amenities, as well as enhanced medical equipment. If you were to have surgery, your recovery process may be quicker and run more smoothly at a private facility.

Contact Associated Insurance Agencies, Inc.

We will sit down with you and discuss your health insurance options to make sure that you receive the policy that you are looking for. If you have any questions, contact our office to learn how we assist our clients in Westerville, OH, and the surrounding communities.

How To Maintain Life Insurance For Family Member Out-of-State

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In life, we all want to live it, enjoy it, and do the best that we can for our loved ones. We only get one time to live, so it is essential to make the most of it while we can. In the worst-case scenario that you pass away at an untimely moment, it is important to make sure that your family is well taken care of. When a family has to grieve the loss of a loved one, it also comes with the added stress of financial obligations as well. 

At Associated Insurance Agencies, Inc., we make sure that our clients and family are provided with the best life insurance coverage possible. It is crucial to work with an agency that has your best interest at heart. We are based in Westerville, OH, and have multiple offices in the state of Ohio. Our agency serves the community by providing insurance policies that help make our client’s lives as easy as possible. Here are a few reasons as to why having life insurance is vital to invest in as soon as possible. 

If you pass away with outstanding debt from things such as your home, cars, or other personal belongings, having the right life insurance policy will help cover those expenses. The balance of your life insurance will help your loved ones cover as much as possible, so they do not have to stress about a substantial financial burden. Leaving an inheritance for any of your family members is also part of having beneficiaries within your life insurance policy as well. Would you like to make sure that your children have secure funds for college? A life insurance policy can be utilized in covering college tuition and financial needs. As a parent, this can be one final fulfillment that you can leave your child with to set them up for success and achieving their dreams. 

Are you ready to discuss the life insurance options that we have available for you? To speak to an agent at Associated Insurance Agencies, Inc., please feel free to call our office at (800) 935-2335. If you prefer to inquire about our services and an agent via e-mail, you can e-mail our team at agencyinfro@associated-ins.com, and an agent will respond to your inquiry in a timely fashion.