Ohio Car Insurance: Consumer Rights
Every individuals has many choices to consider when purchasing an auto insurance which relatively suitable in every state minimum requirements, however, knowing your rights as a consumer to find reasonable rates with quality coverage is another option to consider most especially in the state of Ohio.
Some of these rights is the right to pay for a fair premium cost. If a certain policyholder find that he or she is paying the rate more than the approved premium estimate by the Ohio Department of Insurance, he or she has the right to refund certain amount from the insurance company.
If an auto insurance agent give an incorrect premium quote, every policyholder have the right to cancel the policy from that insurance provider. You may also consider renewing or reinstate the policy with the same company or find another auto insurance quote from other car insurance provider. It is recommended to keep a written copy of your vehicle insurance policy for your own security and for future purposes.
When a certain car insurance company cancel your policy, you have the right to receive a written notification which indicate the reasons why they terminate or cancel the agreement. Insurance company have no right to decline any policy due to individuals’ race, belief, or physical disability.
Every resident drivers in Ohio may file a complain against vehicle insurance company operating in the state through Ohio Department of Insurance. In the event of accident, every policyholder have also the right to reject any arrangement and may choose the desired repair shop that will work for his or her vehicle.
Here are some of the basic information if you are planning to purchase auto insurance in the state of Ohio.
Ohio Auto Insurance requires a minimum liability coverage of 25,000 dollar for bodily injury and physical damage liability per accident with 12,500 dollar per person injured or killed and property damage liability of 7,500 dollars.
Furthermore, according to the figures released by the Trade Group of Ohio Insurance Institute, car thefts in the state of Ohio decreased an about 2 percent from 2002. Prior to this, an increase of 1.3 percent from 2001 to 2002 which also reflects to 1.4 percent nationwide increase on the same period.
This survey results came from various respondents from several major city police departments in Ohio and from the FBI’s Uniform Crime data.
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Ohio Car Insurance: Consumer Rights
Updated February 13, 2008
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Ohio Car Insurance: Consumer Rights
Updated February 13, 2008