Minimum auto insurance coverage is rarely enough.

Although the Ohio Financial Responsibility Law sets specific auto insurance requirements for all drivers, these only protect against bodily injury and property damage liability. Luckily, you’ve got options.

Advantage Insurance Network can help ensure you’re adequately insured. Located in Cincinnati, OH, the agency offers countless options to minimize your risk and ensure you’re adequately covered. While this isn’t the complete list of available options, Advantage Insurance Network lists four essential auto insurance add-ons.

Collision

As the name implies, this provides additional coverage that results from a collision. These benefits can pay for repair costs that result from physical damage, no matter who is determined to be at fault. Although this isn’t required by law, some lenders may mandate collision protection to get a loan.

Comprehensive

Any other physical damage to your vehicle is rolled into comprehensive coverage. This includes most non-collision incidents, including vandalism, theft, accidents involving animals, and weather-related damage. When combined with collision, this package of add-ons is often referred to as "full coverage."

Uninsured or underinsured motorist coverage

Unfortunately, not everyone follows the law. If you are involved with another driver who lacks proper or adequate coverage, you may be stuck footing the bill. Uninsured or underinsured motorist protection would kick in. This allows you to make claims with your insurer to supplement repair costs and liability.

Medical payments

Medical payments, also known as first-party benefits, reimburses for medical care regardless of who is at fault. Coverage limits will vary, so it’s important to discuss this with your agent.

Contact an agent serving Cincinnati, OH.

Advantage Insurance Network doesn’t just keep you legal. Most importantly, these make sure you’re adequately protected on the roadways. Inadequate auto insurance can leave you exposed. Schedule an appointment today.