Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
Researching auto insurance policies can be overwhelming. A lot of options exist, and not all car insurance policies have the same level of coverage. By talking to your insurance agent before you buy You will have peace of mind that your car and your passengers are protected, reducing the chance of unwanted surprises should you have a claim. Here are 4 questions to ask your agent:
Your local, independent agent understands the minimum requirements in your state and can assure that you meet those standards. However, many state minimums are low and may not protect you financially in a serious accident. If you have an auto loan, your lender may require additional coverage on the car. Ask your agent to advise you about an appropriate amount of insurance for your situation.
Choose a higher deductible. The deductible is the amount of a loss that you are responsible to pay for yourself. If you can afford a higher deductible through savings or other resources, you can often save on premiums. You can also utilize safe driving apps through your provider. Cincinnati's RideWellSM program could save you up to 18% just for being a safe driver. Your agent can help you find all the discounts you qualify for.
Ask your agent about how your policy pays if there is a total loss of a new vehicle. Some policies include coverage to protect you from the gap between the depreciated value and the cost of a new vehicle and provide replacement cost for qualifying vehicles. If your policy does not include this coverage, ask your agent if you can purchase gap coverage for an additional premium.
Uninsured motorist coverage may pay for damages when there is bodily injury to a covered person when another driver is legally responsible for the auto accident and does not have liability coverage, or their liability limits fall below state minimum requirements.
Underinsured motorist coverage may pay for damages when another driver is legally responsible for the accident but has liability limits lower than those on your policy. Ask your agent to advise you about financial protection for these situations. Medical and repair costs have been increasing in recent years and could quickly exceed your financial resources.
The best place to start is asking your local independent insurance agent about your policy details to clarify any questions you have about your coverage.
Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent.
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.
