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Auto Insurance in Cuyahoga Falls, OH

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The Garlesky Insurance Agency team understands the unique needs of Ohio drivers and is committed to providing tailored insurance solutions that offer both security and value.

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Why Do Ohio Drivers Need Reliable Auto Insurance?

If you drive in Ohio, it’s legally required to have auto insurance. Our agents can help ensure you meet state requirements with coverage that protects you and your assets.

Coverage with a policy from Garlesky Insurance Agency means you can drive confidently, whether commuting to work, exploring Ohio’s scenic routes, or running routine errands.

How Does Car Insurance Work?

Car insurance is a contract between a vehicle owner and an insurance company, where the owner pays premiums in exchange for coverage against financial losses related to their vehicle. This coverage may include liability for bodily injury and property damage, collision coverage for damage to the insured vehicle and comprehensive coverage for noncollision-related losses like theft or natural disasters.

After an accident or loss, the vehicle owner files a claim with their insurer, who then evaluates the claim and, if valid, provides compensation or coverage as outlined in the policy.

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

  • Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
  • Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Ohio, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
    • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
    • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
  • Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Get a Quote

Garlesky Insurance Agency is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

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