What does auto insurance cover?

Auto insurance provides several different kinds of coverage. It offers a variety of coverage and you are able to customize your policy so that it fits your particular needs. Some types of coverage may be required by the laws in your state and if you have an auto loan or a lease, you will be required to carry additional coverage. At Preferred Insurance Center in Coldwater, OH we believe in making sure that our customers get the right insurance product while having a positive experience. 

Liability coverage

Liability coverage is what is mandated by the state of Ohio for all drivers who take to the roads in the state. The required amount is 25/50/25. For the first person injured by you in an accident you cause, they are allowed $25,000 in bodily injury coverage with a total for an entire accident of $50,000. Another $25,000 is allowed for property damage, which includes other vehicles and property. 


Collision insurance is the part of your auto insurance that covers the damage to your vehicle in the event you are the at-fault driver. It helps pay for repairs or replacement depending on the amount of damage. If you have a loan or are leasing a vehicle, this will be the coverage you are required to carry. 


Comprehensive insurance is also coverage for your vehicle. It protects you from things that are beyond your control. It is also required by your lender or leaseholder. It includes theft, vandalism, weather damage, and other things that can damage your vehicle. 

Roadside assistance

You can choose to include roadside assistance coverage, which is very affordable and lets you feel secure knowing you can get towed or get help if you break down. 

Contact Preferred Insurance Center in Coldwater, OH  for all your auto insurance needs.