Category: Auto Insurance

As the owner of a vehicle (new or used), it’s essential to protect your investment, even when you’re not driving it. For drivers in Chesterland, OH, determining whether your existing policy covers theft and physical damage is crucial for peace of mind. At M & M Insurance Group, we’re here to help you find a suitable insurance policy and add-on protections that are right for you.

Driving in Chesterland

Even if you have a standard insurance policy for your vehicle while on the road, you may not have protection from damage or theft. It’s crucial to review your existing policy to determine add-ons that may benefit you. Working with an agent can streamline this process.

Types of Auto Insurance in Chesterland

In Chesterland, there are multiple types of coverage options, including liability, collision, comprehensive, uninsured/underinsured, and medical payment solutions. Currently, the only type of auto insurance required by law in Ohio is liability insurance.

Does Auto Insurance cover Theft in Chesterland?

Only comprehensive insurance policies cover theft for drivers living and commuting in Chesterland. Comprehensive insurance policies protect against vehicle theft, broken windows, and even theft of the vehicle. It’s important to note, however, that personal belongings in your vehicle will not be covered unless you have a standard renters’ or homeowners’ insurance policy.

What Covers Physical Damage to My Vehicle?

In Chesterland, comprehensive coverage protects against non-collision damage, while collision coverage protects your vehicle in the event of an accident. Proper coverage can assist with parking lot accidents, icy roads, and even head-on collisions with deer.

At M & M Insurance Group, we service a range of clients and drivers in Chesterland, OH. If you’re in Chesterland and want to review the coverage of your existing policy, we’re here to help. To learn more about extending the coverage you receive with your auto policy, contact us today.

Drivers of all skill levels share the road, from the highly proficient to the less experienced. This diversity is one of the many reasons why having auto insurance is essential. It’s why drivers in and around Chesterland, OH, trust M & M Insurance Group for their auto insurance needs. Whether it’s dealing with other drivers, challenging road conditions, or distracted driving, insurance provides the safety net drivers need every time they get behind the wheel.

Ohio Winters Call for Cautious Driving and Adequate Insurance

Ohio winters can bring slick, wet, icy, and snowy road conditions. These challenging conditions demand careful driving and the right insurance protection. When you add in the unpredictability of other drivers, it becomes clear that auto insurance is crucial for staying safe, regardless of the season, weather, or road conditions.

Providing Protection and Peace of Mind for Chesterland Drivers

If you live in the greater Chesterland, OH area and have questions or want to learn more about auto insurance, we’re here to help. At M & M Insurance Group, our experienced team of agents is committed to helping drivers stay safe with auto insurance solutions tailored to their needs. Contact us to learn more and schedule an appointment today for the protection and peace of mind you need and deserve with M & M Insurance Group.

Colder temperatures have arrived, which means preparing yourself and your vehicle for winter driving. Learn a few tips and techniques for winterizing your vehicle from M & M Insurance Group in Chesterland, OH.

How to Winterize Your Vehicle in Cleveland

Check Your Battery

Icy weather can drain your battery quickly. It is important to check your battery to ensure it is adequately charged or replace batteries that have passed their estimated replacement dates.

Monitor Fluid Levels

Maintaining correct fluid levels, such as winter-grade motor oil for your engine, anti-freeze, and weatherproof windshield wiper fluid, can help you have a smoother winter ride and reduce the likelihood of maintenance-related breakdowns that could leave you stranded on the side of the road.

Inspect Car Tires

Your tires carry the weight of a vehicle and its passengers. Carrying heavy loads while navigating snow and salt-covered roads means that tires should be frequently inspected during the wintertime. Maintaining proper tread and tire pressure can help prevent wintertime blowouts and waiting for emergency roadside services in icy temperatures.

Check Your Brakes

Ensure your brakes work properly by taking your vehicle to an authorized service center for winter car care inspection. It is important to inspect your brakes as stopping distances can drastically increase on snow-covered and icy roads.

Get Comprehensive Collision Insurance

Properly winterizing your vehicle can help reduce the likelihood of getting into car accidents. However, there is no guarantee that fender benders, tire blowouts, and major accidents won’t happen on slick and slippery roads.

Protect your auto from various damages related to natural disasters, theft, vandalism, and collisions by contacting M & M Insurance Group in Chesterland, OH for a comprehensive and collision auto insurance quote today!

Most US states require you to carry auto insurance if you are taking your vehicle on the road. Every state has its requirements depending on whether it is a no-fault state. In Chesterland, OH, the experienced independent insurance agents at M & M Insurance Group can help you review your auto coverage and suggest the best carrier for your needs. 

When your bill is renewed

Most auto insurance policies renew every 6 or 12 months. When it is time to renew, your insurance company will send you either a paper copy or a digital copy of your policy. The front page of the policy is the declaration page. This is a synopsis of your policy and an easy way to see your coverage at one glance. Always look it over; if anything doesn’t seem right or the rate has jumped, it’s time to find out why. 

When you add a new driver

When you add a new driver, especially a young driver, it is important to review your coverage to ensure it reflects what you need. You may want to add full coverage as well as roadside assistance. 

When something in your life changes

Life changes, and you may want to reconsider some of your coverage when it does. You may wish to return to basic coverage when your car gets older. You may want to add more liability coverage if you add a teen. If your insurance is too expensive, you may want to raise your deductible, which can significantly impact what you actually pay. 

When you want your auto insurance reviewed by an agent in Chesterland, OH, call our office at M & M Insurance Group. 

Understanding the Actual Cash Value (ACV) is vital for your financial expectations and for assisting you in making a fundamental decision about the right coverage during the underwriting process in Chesterfield, OH.

Actual Cash Value (ACV)

ACV represents the worth of your car when it is damaged. The calculation of this value depends on various factors, such as the vehicle’s age, condition, and current market demand. Depreciation is a significant factor in determining ACV, which represents the decrease in value over time due to wear and tear. For instance, an older vehicle will usually have a lower ACV than a newer model of the same make and condition.

When you file a claim based on ACV, you receive reimbursement equal to your vehicle’s worth at the time of the loss after deducting any applicable deductible amount. Thus, you may not receive sufficient reimbursement to purchase a new vehicle of a similar make and model, particularly if your car has undergone significant depreciation.

Replacement Cost

Replacement cost coverage differs from ACV in that it covers the expense of replacing your vehicle with a brand-new one of similar make, model, and features without deducting depreciation.

Choosing the Right Coverage

Deciding between ACV or replacement cost coverage depends on your preferences. While ACV coverage might be more affordable, it often results in lower payouts for older vehicles. On the other hand, replacement cost coverage provides excellent financial protection but typically comes with higher premiums. An educated decision depends on the perceived value, financial circumstance, and coverage preference.

M & M Insurance Group Helps You Choose

M & M Insurance Group is here to help guide you and demonstrate how auto insurance can benefit you in the long term. Our team services the Chesterland, OH area. Contact us today.

If you own a fleet of vehicles, you may want to pursue automotive insurance upgrades. Review the following add-ons, and then modify your policy if needed.

Vehicle Makes and Models

Before reviewing any add-ons, prepare a list of the vehicles part of your fleet. The types of add-ons you select may depend upon the actual make and model of each vehicle you own.

How you plan on using each vehicle will also affect the type of coverage you will need.

Towing Equipment

It is common to use vehicles for towing. Trailers, lights, hitches, and other towing equipment used for transport should be insured on your automotive insurance policy.

If you will be using multiple vehicles for towing, this may increase the amount of automotive insurance coverage you will need.

Distance

The distance you will be driving each of the vehicles in your fleet could influence the type of coverage you need. Take into account that your driving patterns could change periodically.

If so, you should plan on modifying your insurance policy as needed. The distance you drive should be calculated routinely.

Please keep track of each vehicle you own and the amount it drives. Then, submit this information when ready to update your automotive insurance policy.

Contact M & M Insurance Group

Consult with an agent who serves Chesterland, OH. An agent who is part of the M & M Insurance Group will prepare an automotive insurance policy for your personal fleet.

Here at M & M Insurance Group serving Chesterland, OH and the surrounding neighborhoods, safeguarding your vehicle against hailstorm damage with comprehensive insurance coverage is crucial. Understanding how auto insurance covers repairs after hailstorms is essential for protecting your vehicle effectively.

Hailstorms and Auto Insurance: Repair Coverage

1. Comprehensive Coverage: Auto insurance policies with comprehensive coverage often include protection against hailstorm damage. This coverage extends to repair or replacement costs resulting from hail damage.

2. Policy Limits and Deductibles: Review your policy limits and deductibles related to comprehensive coverage. Understanding these aspects helps assess the financial impact on repair costs after a hailstorm.

3. Reporting Hail Damage Promptly: In the event of hail damage, promptly report the incident to your insurance provider. Timely reporting ensures a smoother claims process for repair coverage.

4. Assessment of Damage: After a hailstorm, assess the extent of damage to your vehicle. Document the damage with photos and gather the necessary evidence for your insurance claim.

5. Professional Repair Evaluation: Seek a professional evaluation of the hail damage. An assessment from a reputable repair shop can provide a detailed estimate for repairs, assisting in the insurance claim process.

6. Choosing a Repair Facility: Your insurance policy might recommend or require using specific repair facilities. Ensure compliance with these guidelines for seamless repair coverage.

7. Claim Filing Assistance: Our group offers support in navigating the claim filing process. Our experts can guide you through the necessary steps to ensure your hail damage repairs are covered.

Comprehensive Protection for Your Vehicle

Contact M & M Insurance Group today to safeguard your vehicle against hailstorm damage. Let our team serving Chesterland, OH and neighboring areas craft a customized policy for comprehensive coverage tailored to your needs. Protect your vehicle effectively. Reach out to us today!