CAR INSURANCE IS REQUIRED IN OHIO

In most states, you’re required by law to carry car insurance. In Ohio, the type of car insurance we’re all required to carry is liability insurance. Here at The Insurance Pad, we help people make the right choices when it comes to securing auto liability insurance and more.

We’re in Beachwood, Ohio and we offer policies, protection and coverage to residents across the state to help you protect your assets and your lifestyle in the event of an accident.

It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage and which insurance you purchase?

See a detailed description of vehicle liability insurance here.

HERE IS A DIFFERENCE

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that covers you according to your unique situation, your assets, your lifestyle and your priorities.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.

Contact us today, and we'll help you protect what matters most.

WHAT'S INSURANCE FOR ANYWAY?

Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.

Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.

Watch this short video that tells the story of why you should prepare now for peace of mind later.

Contact us today, we’ll show you all your options, suggest the right limits, and make sure you receive every discount you deserve.

AUTO INSURANCE: REQUIRED & ADDITIONAL PROTECTION

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

• Liability
• Collision
• Comprehensive

But additional protection may include:

• Medical Payments.
• Emergency Road Service
• Uninsured Motorist Protection.
• Rental Reimbursement
• Loan/Lease Protection also known as Gap Coverage

How Does Car Insurance Work?  

Car insurance can provide important financial protection, depending on the coverage you choose. It may help you pay to repair or replace your vehicle after an accident. Your auto policy may also help handle your legal liability for third-party injuries and property damage after an at-fault accident, up to the policy’s limits.  

If you choose full-coverage insurance, your deductible may apply after a covered at-fault accident. Before your insurance coverage kicks in, you are responsible for paying your deductible, which is usually set at $250, $500 or $1,000 per accident.  

Everyone has different insurance needs, so talk with your agent to understand your options. We can help you tailor your auto insurance policy to meet the state’s minimum requirements and provide the financial safety net you need after a covered accident or incident.  

WHY WE'RE DIFFERENT

Insurance providers vary when it comes to structuring a policy tailored to you.
Plus, we’re betting you won’t find many insurance agents who practice the Golden Rule of treating everyone with kindness, understanding and respect. We’re also huge sports fans (Go Cleveland Browns, Cleveland Indians and Cleveland Cavaliers!) and we love to cook. Learn a little bit more about us at our Cooking with Insurance Blog here.

Contact us today, and we'll help you protect what matters most.

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