When you are deciding on a car insurance policy, it's important for you to choose at least the minimum amount of insurance your state requires to drive your vehicle legally. Every state varies in its minimum coverage amount, so you should discuss your state's requirements with a trusted insurance agent, like the team at Somers Agency in Northeast Ohio.

In Ohio, it is illegal to operate your vehicle without sufficient auto insurance or proof of financial responsibility. If you purchase an auto insurance policy, you must have liability car insurance as part of your coverage when you are at fault for an accident. Your policy must cover $25,000 per person for injuries or death (up to $50,000 total) and at least $25,000 minimum for property damage resulting from an accident.

When you purchase the minimum amount of auto insurance coverage, your policy will cover you up to the amount of your limits. If the amount of damage exceeds your policy limit, you are responsible for paying any medical bills, property damage, and legal costs not covered.

Your house, car, and other assets could be taken away to pay for these costs, and your wages may be garnished. You could end up paying for an accident for a long time, which is why it's a great idea to purchase more coverage than the minimum requirements.

The car insurance agents at Somers Agency offer competitive, affordable coverage with excellent customer service. Give Dan or Lorenzo a call at (440) 324-3447 to speak with a hardworking agent about your insurance needs, or visit their website to receive a free car insurance quote. Don’t forget to like them on Facebook for more helpful hints and the latest updates.