COVERAGE OVERVIEW 
IF YOU ARE INJURED
OH Personal Auto policies have many options that impact premiums. This includes –
- Medical Payments (limits ranging from $500 to $100,000);
- Total Disability Income Loss ($25, $50, or $100/week limits; 200 week or unlimited time period);
- Auto Accidental Death ($5,000, $10,000 limits;and
- Specific Injury Benefits. As you select limits that meet your needs, consider your existing life, health and disability coverage (including group insurance).
Workers Compensation may cover injuries as part of employment.
IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY
Liability protection provides legal defense and a settlement to
- those you may injure, or
- for property you may damage.
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
- Do you have assets to protect?
o Real estate
o Savings & investments
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
The occupants of your car can be protected from Uninsured (including underinsured) Motorists – Bodily Injury coverage. The limit, if you choose this option, equals your Bodily Injury Liability limits shown above.
IF YOUR CAR IS DAMAGED BY AN IMPROPERLY INSURED DRIVER
Your vehicle can be protected from Uninsured (including underinsured) Motorists – Property Damage coverage. The limit, if you choose this option, should closely match the value of your vehicle. Choices are $7,500, $10,000 or $25,000, all with a $250 deductible.
YOUR CAR DAMAGE (OPTIONAL)
Pet Injury Coverage @ $1,000 is included. Deductibles for vehicle damage apply. Choosing higher deductibles lowers your premium.
- Collision (roadway accident, hit-and-run)
- Comprehensive (fire, theft, vandalism, glass damage, flood, hitting a deer, & more)
PARTIAL LIST of ADDITIONAL OPTIONS
Emergency Roadside Assistance provides reimbursement of reasonable emergency expenses such as towing.
Transportation Expense for replacement transportation following a covered loss.
Auto Enhancement offers diminishing deductible, additional Transportation Expense, increased Sound Equipment and more.
New Auto Security Coverage offers replacement cost and repair cost coverage on newer, qualified vehicles; and it includes Lease/Loan Security coverage to help defray gap between the total loss value.
in the event of a total loss with a loan/lease value greater than the vehicle value.
Custom parts or Equipment above the $1,000 automatic limit.
REVIEW
We ask for the opportunity to review your needs when purchasing auto insurance. We also provide a written review each year.
DISCLAIMER: This brochure is provided as a convenient summary. It is not an offer of coverage. Details, limitations and exclusions are found in the actual policies.