Auto Insurance in Springfield, OH

Protect Yourself on the Road with the Right Car Insurance Policy

Located about 45 miles west of the state capital, Springfield, Ohio has a population of nearly 60,000. As home to liberal arts college Wittenburg University, as well as a variety of gorgeous scenery, such as the Little Miami Scenic Trail and the Buck Creek Scenic Trail, it's easy to see why so many people love to call the area home or even just to pass through for a visit. Of course, seeing everything the municipality has to offer requires a car, which means you'll need to be insured to protect yourself on your adventures. The key is to learn how much car insurance in Springfield, OH, you'll need.

Auto Insurance Is Mandatory in Ohio

The state of Ohio requires all drivers to be licensed, have up-to-date vehicle registration, and carry a minimum insurance policy. Proof of insurance is always asked for during accidents, at traffic stops, and when you have your vehicle inspected, and not carrying the legal minimum coverage could mean losing your driving privileges. VIU by HUB's professional insurance agents can help you determine exactly how much coverage you need, but at a minimum expect to carry at least $25,000 for the injury or death of one person, at least $50,000 for the injury or death of multiple people, and at least $25,000 to cover property damage in an accident.

Understanding How Liability Coverage Protects You

Your liability coverage protects you if you cause an auto accident that results in property damage or in the injury or death of another person. 

• Property Damage –If you cause an accident, this coverage will pay for the repair or replacement of your vehicle and any other vehicles involved in the accident. It may also provide payment for other damaged property, such as mailboxes, garages, or homes.
• Bodily Injury –Car accidents often result in at least minor injuries. If you are at fault, your coverage pays the medical bills for yourself and for any people in other cars. If someone dies as a result of the accident, it may also help to pay for final expenses.

It is important to keep in mind that the minimum car insurance in Springfield, OH, is often not enough to cover all expenses, especially after a serious crash. If you cause an accident that costs more than your insurance will provide, you'll need to pay the rest of the expenses out of pocket. For this reason, it is important to ask your provider from VIU by HUB how much coverage you need for total protection. 

Consider Optional Coverage as Well

VIU by HUB can help you find additional car insurance in Springfield, OH, to protect yourself and your property even further. A comprehensive policy, for example, will help you pay for repairs to your car if damage occurs outside of an accident. This is helpful if you're worried about theft, glass breakage, or vandalism. 

Another common policy to consider is uninsured or underinsured motorist coverage. If you're in an accident that is someone else's fault, he or she may not be carrying the required amount of coverage. This policy will help you pay for property damage or medical bills for yourself if necessary. Many insurance providers also offer options for roadside assistance, rental cars, or other expenses that come with being in an accident.

This information is intended for general informational purposes only and is not intended to constitute legal advice.