Is Theft and Physical Damage Covered With My Existing Auto Insurance Policy?

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.