Auto Insurance Information

...Are you looking for an Ohio, Kentucky or an Indiana car insurance quote? Look no further, we can help...
There are many different coverages and situations for all drivers today.

Maybe you have a flawless driving record. Congratulations if you do. However, you may not have been as fortunate.

Even if you have a less than perfect driving record, we would love to earn you as a customer by helping you maximize your
coverage while minimizing your premiums.

Regardless of your driving record, or if you reside in Ohio, Kentucky, or Indiana, and are looking for a great auto or car
insurance quote, you have come to the right place. We can help you navigate through the quote process to ensure that you
receive the best coverage at the best price. If you are looking for an Ohio car insurance quote, we can help.

If you have questions that are not addressed on our website, please feel free to call us about your insurance needs today at
513-598-5200 or 800-995-0978 and our staff will be happy to help you with all of your needs and questions.

Have you ever wondered what all of the car insurance terms mean? Keep reading and we may help you understand better.

Note: The following outline of coverage is for your information only. Please see your policy for exact terms and conditions and exclusions and
limitations.

Bodily Injury Liability (Referred to sometimes as BI): Pays when you are legally liable for injury or death caused by our vehicle. Legal fees, bail
bonds and court costs are also included. Pays up to the first limit for each person and up to the second limit, maximum, for all persons injured or killed
in any accident when you are legally liable. Some policies are “Single Limit” which means Bodily Injury and Property Damage are all in one “Single”
limit. $100,000 Single Limit means that the maximum coverage available for any one accident is $100,000 including BOTH BI and PD.

Property Damage Liability (Referred to as PD sometimes): Pays when you are legally liable for damage to the property of others caused by your
vehicle. In a “Single Limit” policy the PD would be limited to that amount, along with any BI that would have to be paid also.

Medical Payments (Each Person Limit): Pays medical, dental, hospital and funeral expenses for you, household relatives and guest passengers injured
in a motor vehicle accident. Also protects you and household relatives in other vehicles or if struck as a pedestrian.

Uninsured Motorist (Referred to as UM sometimes): Pays damages that you, household relatives and passengers in the insured motor vehicles are
legally entitled to recover because Bodily Injury or death caused by uninsured or hit-and-run motor vehicles. Pays up to the first limit for any one
person and, up to the second limit for all persons injured or killed in an accident. This could also be a “Single” limit coverage. To receive your Ohio car
insurance quote, call us today 513-598-5200

Underinsured Motorist (Referred to as UIM sometimes): Pays you, household relatives, and passengers in your insured motor vehicle against damages
arising out of accidents with motorists who have motor vehicle insurance with lower limits of liability coverage than those damages suffered by you.
Pays up to the first limit for one person and, up to the second limit for all persons injured or killed in one accident.

Comprehensive (Sometimes referred to as “Other than Collision”): Pays for loss or damage to Your vehicle caused by fire, theft, vandalism, hail,
windstorm, riot, falling objects, flood, etc. The deductible applies to all damage. Does not pay for Collision or Upset. That is paid under Collision if
you carry Collision.

Collision or Upset: Pays for loss or damage to Your vehicle caused by collision with another object or by upset of the vehicle. Payments are made on an
“actual cash value” basis for the amount of each loss. Your deductible for this coverage applies first.

Towing and Labor costs: (Labor performed at the scene of the breakdown only such as changing a tire) - Pays up to the limit on your policy for each
claim for towing your vehicle and any labor costs at the place of disablement. Does NOT pay for parts or subsequent repair costs.

Rental Reimbursement: Pays toward expenses to rent a vehicle if you have a loss that is covered under your Comprehensive or Collision coverage and
your vehicle is disabled longer than 24 hours. Pays up to the first limit per day, but not more than the second limit for each loss.

Original Equipment Manufacturers: Pays for Original parts versus after-market parts.

Lease Gap Coverage: Additional coverage for your leased auto may be added to provide limits in excess of the actual cash value of your vehicle. This
coverage would apply if the lease agreement makes you liable for the amount greater than the actual cash value of your car at the time of a covered
theft or total loss.

PIP: When buying the basic PIP coverage in Kentucky (No Fault State) you forfeit your right to sue the other driver in an accident for the cost of
injuries, unless the cost exceeds a certain level set by the state.

If you have questions that are not addressed on our website, please feel free to call us about your insurance needs today at 513-598-5200 or 800-995-0978 and our staff will be
happy to help you with all of questions for your Ohio Insurance Quote. And of course, we never forget our Hoosier or Commonwealth friends in Indiana or Kentucky!