Solid Insurance is an independent insurance agency that offers a wide array of insurance products such as auto, home, life, health, commercial, annuities and so much more.
The advantage of using Solid Insurance is that we offer more than 35 highly rated insurance companies to our customers.
By using so many companies, we can customize a plan for your needs at the best rates. In essence, we do the shopping for you and will always strive to get you the best rates.
Types of Auto Insurance Coverages:
Collision Coverage: Collision coverage is an optional coverage on your auto insurance policy. This will cover your vehicle in a collision, less your deductible. for example, you are involved in an auto accident and your vehicle has $4000 in damages and your deducible is $500. the policy will pay $3500 and you are responsible for the $500. Even though this coverage is optional, if you finance or lease your vehicle most lenders will require collision coverage on your auto insurance policy.
Property Damage Liability: Property Damage Liability provides you coverage if your vehicle damages someone else’s vehicle or property. This type of coverage is set at a fixed amount. For example, if you have $25000 of coverage, your policy would pay up to $25000 for damages you caused to someone else’s vehicle or property. Always be sure to have sufficient coverage, since you will be responsible for any amount that goes above your coverage limit. Solid Insurance can help you choose the right amount.
Bodily Injury Liability: Bodily Injury Liability provides you coverage if you are involved in an accident that is your fault and another person or people are injured in the accident. In the state of Ohio, minimum liability coverage is $25000/$50000. This means that if you are at-fault in an accident, your policy would cover up to $25000 per person and up to $50000 per occurrence or accident. Of course you may choose higher liability limits to better protect yourself. Call Solid Insurance today and an agent will work with you one on one to help you choose the right amount of coverage for you.
Uninsured and Underinsured Motorist Coverage: This type of coverage on your auto insurance policy provides you coverage if you are in an accident and the other driver is at-fault and either does not have insurance or not enough insurance coverage. It will cover your injury-related expenses such as medical bills and even lost wages. With more and more individuals driving without insurance or enough coverage on their plan, this is a crucial type of protection that is often overlooked and very important to have proper coverage in place. According to past statistics, 1 in 7 motorists drive uninsured. This coverage is optional.
Uninsured and Underinsured Motorist Property Damage: This type of coverage provides you with insurance when an at-fault driver damages your vehicle in an accident and does not have enough insurance coverage to cover your expenses to repair or replace the vehicle. This coverage is optional.
Comprehensive Coverage: Comprehensive Coverage is an optional coverage that pays for loss or damage from an incident, less your deducible not caused by collision. For example theft,
vandalism, cracked windshield if a tree falls on your vehicle. Even though coverage is optional , you may be required to carry this coverage on your auto insurance policy by your lender if you finance or lease your car.
Towing Coverage: This coverage will provide you reimbursement if your vehicle needs to be towed. It can also provide some roadside assistance features such as jump-starting your vehicle, fix a flat tire, unlock your door, and so on. This in an options coverage.
Auto Rental Coverage: This type of coverage will provide you with auto rental coverage if your vehicle is being repaired due to an accident. most coverage are for 30 days and will state a set amount per day usually $25 to $30. This is an optional coverage.
Medical Payment: Medical Payments on your auto insurance policy covers medical bills if you are injured in an auto accident. Medical payments also covers passengers, authorized individuals driving your vehicle and relatives living in the same household of the insured as well. It will also provide you coverage if you are a passenger in a vehicle or if hit by a vehicle as a pedestrian. Based on your needs, an agent at solid insurance can help you choose the right amount of coverage. This coverage is optional on your insurance policy.