Spring Insurance Check-Up: Are You Fully Covered for an Accident?
Spring is a great time to shake off the winter blues, clean out the garage, and check a few important items off your to-do list—including your car insurance coverage. At Zaber Law, we often help clients who assumed they were fully protected after a car accident—only to find out they didn’t have the right coverage when they needed it most.
A quick spring insurance policy check-up can help you avoid surprises and make sure you and your family are properly protected. Here’s what to look for and why it matters.
Why Your Auto Insurance Needs a Check-Up
Most people set up their insurance when they buy a vehicle and never look at it again. But life changes—new drivers, new cars, even inflation can affect how well your policy works for you.
The biggest issue? Having the minimum coverage required by Ohio law often isn’t enough to fully protect you after a serious crash.
Key Coverages to Review This Spring
1. Liability Coverage
This pays for the other person’s injuries or property damage if you’re at fault in an accident.
- Ohio’s minimum: $25,000 per person / $50,000 per accident
- Reality: Medical bills and car repairs often cost much more.
What to do: Consider increasing your liability limits to better protect your assets.
2. Uninsured/Underinsured Motorist Coverage (UM/UIM)
This protects you if the at-fault driver has no insurance—or not enough.
- Ohio has many uninsured drivers on the road.
- UM/UIM can cover medical bills, lost wages, and more if the other driver can’t.
What to do: If you don’t already have UM/UIM coverage, add it. If you do, check that the limits are high enough to help in a serious crash.
3. Medical Payments (MedPay) Coverage
This helps pay for your medical bills (and your passengers’) no matter who’s at fault.
What to do: Consider adding this low-cost option to reduce out-of-pocket expenses after an accident.
4. Collision and Comprehensive Coverage
- Collision covers damage to your car if you hit something or are hit.
- Comprehensive covers things like theft, vandalism, or storm damage.
What to do: Make sure the deductible and coverage limits match the current value of your car—and what you can afford to pay out of pocket.
5. Rental Car Coverage
If your car needs repairs after an accident, this helps cover the cost of a rental vehicle.
What to do: Check if you have this benefit—many people assume it’s included when it’s not.
Why This Matters: Real-Life Consequences
At Zaber Law, we’ve helped many accident victims discover—too late—that they weren’t fully covered. Some face major medical bills, lost income, or no compensation at all because the other driver had no insurance and their own policy didn’t cover the gap.
A 15-minute review of your policy now can save you months or even years of financial and legal stress.
🚨 Don’t settle for less! If you’ve been injured, call Zaber Law today at 216-367-5665 for a FREE consultation.
