How Car Insurance Works Near Cleveland, OH

A question many of our customers here ask us is, “How does gap insurance work?” Car insurance can be a difficult topic to navigate with the number of options available, but not to worry. At Bedford Nissan, we are here to help you with all of your automotive needs and that includes advice on car insurance.

 

What is Auto Insurance and Why Do You Need It?

If you are involved in an accident, your insurance company helps pay for your vehicle repairs and the repairs of the other driver’s car repairs, depending on who was at fault. It is a legal requirement, no matter what state you are in. Every driver is required to have liability insurance, and if you are a driver in Ohio, this includes bodily injury liability coverage and property damage liability coverage.

Insurance Coverage Options

At the very least, you will want to ensure that your insurance provider can cover damages to the other driver if you are found to be at fault in the accident. This is often referred to as “minimum coverage”. You may also want to have additional coverage options depending on how often you drive and how you use your vehicle. A few examples include:

Gap Insurance - if you recently purchased, or are considering starting a Nissan lease on a new Nissan vehicle, it is a good idea to have gap insurance. How does gap insurance work? It covers the “gap” amount between the period when the value of the vehicle is less than what you still owe on your loan. Gap insurance ensures you’ve completely covered if your car is totaled or stolen.

Comprehensive coverage - covers the repair or replacement of your vehicle for an incident that is not related to an accident with another vehicle. This could include storm damage, theft, and damage caused by animals.

Personal injury protection - covers the medical expenses of the policyholder and anyone in the car with you at the time of the accident.

The cost of each plan will depend on several factors. For example, your insurance provider could calculate your risk based on your driving record, vehicle type, and occupation.

 

It can be overwhelming to determine how much car insurance you need, but the knowledgeable team at your Nissan dealer near Cleveland, OH, is ready to answer all of your questions. We look forward to welcoming you to our Nissan Ohio dealership.