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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Coming Soon...Buy AUTO insurance instantly online! |
How much AUTO coverage do I need?
We all have different needs. Summit Insurance can provide answers to detailed questions about the various policies available. We will work with you to review your options and assist you in selecting the right policy and the appropriate amount of coverage for you. The following information should be considered when determining your coverage needs.
How Much Insurance is Enough - Auto
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage. So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.
Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone. Keep in mind that many states require certain minimum levels of coverage. We'd be happy to talk with you about these and other factors.
> See "Must Know" info below for specific coverage information. |
Unsure of how much coverage you should have? Click here>
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Summit Insurance Agency 5170 Darrow Rd. Copyright © 2006 - Summit Insurance Agency |
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