Auto Insurance

Auto Insurance

Our vehicles are one of the most important things that we own – they get us where we need to go, from home to work, school and more. An auto accident can strip you of that convenience and leave you unable to get where you need to go. When a major accident occurs, you don’t want to be left stranded with inadequate coverage! At Huwel Insurance, we understand your auto insurance must help you meet basic needs if you’re involved in accident. This includes the ability to get around while your car is in the shop, but also needs to cover hefty medical bills if you’re injured in a major accident. Don’t fall for the cheap coverage available online that may leave you standard! We’ll help you find the right coverage at the right price for you. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else!


What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
  • Property coverage pays for damage to or theft of your car
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. In Ohio, it is illegal to drive any motor vehicle (or allow another person to drive) without insurance or other proof of financial responsibility. Ohio also requires certain minimum auto insurance coverage including Bodily Injury Liability as well as Property Damage Liability Coverage. While the state dictates this minimum, motorists are highly encouraged to obtain more than minimum coverage.

Why Do You Need Auto Insurance?

Beyond the minimum coverage required by most states, the main purpose of auto insurance is protecting yourself financially from events such as:
  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions To Ask Your Agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)