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INSURANCE


Insurance Fraud:

Ohio Fraud Warning:

Any insurance claims adjuster or appraiser who, with intent to defraud or know that he/she is facilitating fraud against an insured or claimant or service provider, submits an appraisal or repair cost estimate that knowingly and purposely omits necessary parts, procedures or operations is committing insurance fraud. Anyone who arranges to have a vehicle reparied in a competing repair facility based on a fraudulent appraisal, repair cost estimate or report is guilty of consipracy to commit insurance fraud.

nisured and Under-Insured Motorists are everywhere. Coverage for uninsured and underinsured motorists (UM/UIM) is a good idea. Despite Ohio's FR law, there remain thousands of unisured drivers. As many as 20 percent of Ohios drivers break the FR law. No matter how much insurance a driver has, there could be accidents where it is just not enough. As such, you can purchase UM/UIM coverage to financially protect yourself if this happens to you.

 


Know your Rights:

What Are My Policy Responsibilities?


You have a responsibility to fill out the insurance application with complete and accurate information, remembering to list all licensed drivers in your household. After signing the application, you should receive a binder from the agent. You can use this as proof of coverage until you receive your policy and insurance I.D. card.Y ou should report any changes that affect your policy, including changes in names,addresses, drivers or the use of your car to your agent or company.

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