Ohio Auto Insurance FAQ

Trusted Choice® agents want to make it easier for you to know your auto insurance needs and the many options available to you. Though this guide does not represent the provisions of any particular car insurance policy, it should serve as a starting point on your road to finding the best policy for your auto insurance needs.

  1. Why do I need auto insurance for my car?
  2. What are the different types of insurance policies and what do they cover?
  3. Why and how are insurance policies priced for different drivers?
  4. How does where I live affect my insurance premium?
  5. Why are insurance rates different for different cars, even if the cars cost the same?
  6. What is "no-fault" insurance?
  7. Do all states require some kind of auto liability insurance?
  8. What happens if I have an accident with an uninsured driver?
  9. Why would my insurer cancel my auto insurance policy?
  10. What do I do if my insurer cancels or refuses to renew my auto insurance policy?
  11. How do I keep my insurance company from canceling my policy?
  12. What steps can I take to reduce my insurance rates?
  13. How does adding drivers to my auto insurance policy affect my rates?
  14. Who's watching the insurance companies?
  15. Do I always need to buy insurance when I rent a car? Am I not covered by my own policy?
  16. What happens when I loan my car to someone? Is that person covered by my insurance policy? Am I still  covered?
  17. Does my auto insurance policy cover me for natural disasters or "Acts of God?"
  18. What should my insurance policy include? Do I really need to read all the fine print?
  19. How can I challenge my insurers if they refuse to cover a claim?
  20. What actually happens when I report an accident?
  21. Do I need special auto insurance for a classic car?
  22. Under what circumstance do I not need certain types of auto insurance?