Auto Insurance in Westerville, OH 

Auto insurance is more than just a legal requirement; it is your safeguard against losses should an unexpected risk cause damage to your vehicle.

What Does Auto Insurance Cover?

Auto insurance protects you from financial loss if you’re involved in an accident or if your vehicle is damaged due to a covered risk. In exchange for your premiums, your insurer covers your vehicle according to your policy specifications, including your coverage limits and deductible.

Specifics may vary depending on your insurer, but a standard auto policy typically provides the following coverages:

• Comprehensive coverage may help pay for your car’s repair or replacement costs if it is damaged by fire, theft, vandalism or certain natural disasters.
• Collision coverage may cover damage if you’re involved in a crash with another vehicle or stationary object, such as a building or signpost.
• Liability coverage may cover third-party losses arising from incidents for which you’re at fault, such as other motorists’ bodily injuries and property damage.
• Medical payments coverage can help pay medical bills if you or your passengers are injured in an accident, regardless of fault.
• Uninsured/underinsured motorist coverage may financially assist if you were hit by a driver with insufficient coverage.

How Much Does Coverage Cost?

Factors that may influence your premiums often include the following:

• Your driving record
• Your claims history
• The make, model and year of your vehicle
• Your ZIP code
• Defensive and safety driving courses you may have taken
• Your policy details (e.g., deductible, endorsements and limits)

Why is Insurance Important?

Drivers in Westerville, OH are legally required to carry a minimum amount of liability coverage. You must present proof of insurance at a traffic stop, during an inspection, after an accident or when registering your vehicle. Your lender may also ask for proof of policy if you’re financing your vehicle. Even if you’re not subject to formal obligations, coverage may be essential if you want to secure your financial well-being.

How To Get the Right Policy

Contact Outcalt Kerns Insurance, LLC to learn more about our auto insurance offering or request for a tailored quote.