Ohio has its own defined set of traffic rules and regulations. Looking at it car insurance companies have their list of requirements abiding to the state law. There are certain things to be analyzed as there is no car insurance policy that covers just about anything to everything. If an auto insurance company had to cover everything which occurs behind the wheel, they would have gone out of business quickly. Insurance companies provide you enough benefits and coverages but make sure you know what it covers and its limits.
When you are with a good and certified car insurance company you need not worry on the dollars you invest. But certainly you need to understand the facts which leads to a loophole in every contract. There are certain misconceptions which needs to be cleared for you to realize that insurance companies in many ways can reject claims you make and hand you a bill. Insurance companies do assess major risks as we give a commitment to be a responsible and safe driver.
Instances Leading to Potholes
Policies vary from one company to another, however few listed below are general potholes that may exist in your car insurance policy. It is always good to have a look at your policy checklist much before you sign a bond with the company.
Damage occurring purposely: Few drivers in Ohio exhibit violent behavior deliberately and this has become a common thing which usually occurs on highways. A minor crash is made a big issue with some retaliation. It is always better to keep your calm in such situations and not to react aggressively.
Carpooling: Generally you might give a lift to your colleague or a friend but you will be liable for any injury he sustains while driving in your car. Here your auto insurance is at risk. But if you are into the service to transport people in your vehicle then it is better to opt for a commercial insurance.
Borrowing or Lending Car: You are solemnly responsible when you borrow or lend your car to someone. Any damage or accident when occurs, your vehicle is involved in it and you are liable for injuries and damages earned.