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Personal Insurance Coverages

  personal insurance coverages


Bodily Injury and Property Damage Liability (BI/PD)

The bodily Injury and Property Damage Liability coverage we offer in the summit county area in Ohio covers your legal liability for an accident where there is damage or injury to someone or something else, up to the limit of liability selected. Your insurance company pays for the cost to replace or repair damaged property, the medical bills and wage loss incurred by an injured person and other damages you are legally obligated to pay as the result of an accident. BI/PD limits are available up to $500,000 Combined Single Limits (CSL).

Explanation of limits of coverage for a 25/50/25 policy:

  • No more than $25,000 will be paid per person for Bodily Injury
  • No more than $50,000 will be paid per accident for Bodily Injury
  • No more than $25,000 will be paid per accident for Property Damage

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Uninsured Boater

Uninsured Boater Bodily Injury coverage pays for medical treatment, wage loss and other damages you would have received from the other person's insurance company, had they been insured. Damages are covered up to the limit of coverage you select. In Ohio this coverage is very important because many do not carry liability coverage.

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Medical Payments

Medical Payments coverage covers the cost of necessary medical care provided to you as a result of a boating accident and applies regardless of who is at fault. Covered people include those in your boat and the named policyholder. Medical Payments also will pay for injuries caused while water skiing or tubing. In the Akron, Barberton and Cuyahoga Falls, Ohio area, this coverage applies only after other medical insurance is exhausted.

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Comprehensive and Collision

Comprehensive and Collision coverages pay for the cost to repair or replace your boat if it is stolen or damaged in a covered loss, regardless of who is at fault. You share in this cost by paying a deductible.

Collision coverage pays for damage caused to your boat when it collides with another vehicle or object. Comprehensive coverage pays for damage to your boat caused by an event other than a collision, such as fire, theft or vandalism. This coverage can be very valuable if you live in the Akron, Barberton and Cuyahoga Falls, Ohio area.

You have three options to insure your boat against a total loss:

  • Actual Cash Value – base policy that pays the market value of your boat at the time off loss.
  • Agreed Value – pays the value of your boat that you select at the start of your policy, regardless of the current market value.
Total Loss Replacement Cost – pays for replacement of your boat with the newest model if your boat is declared a total loss within its first five model years.

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Actual Cash Value

ACV is the most economical choice to insure your boat or PWC. ACV is determined by the market value, age and condition of your boat/PWC at the time of the loss. If your boat/PWC is declared a total loss, this coverage pays either the lower of the ACV at the time of loss or the Rating Base. This can also be the same with car insurance.

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Agreed Value

Agreed Value coverage pays the Rating Base if your boat is declared a total loss, regardless of the Actual Cash Value (ACV) at the time of the loss. For partial losses, there is no depreciation, except on the following: batteries, sails, canvas/plastic coverings and outdrive units or outboard motors older than five years. Because the boating season is short in the Akron, Barberton, and Cuyahoga Falls, Ohio area this can be a great coverage.

For boats two years old or newer, the sales receipt can serve as the Rating Base. If a sales receipt is unavailable, the Rating Base may be determined by referring to an ABOS, BUC or N.A.D.A. appraisal guide or an accredited marine survey.

Agreed Value coverage is not available for personal watercraft. Disappearing Deductibles coverage is included.

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Total Loss Replacement

Total Loss Replacement coverage is available for new boats up to one model year old. If a total loss occurs, this coverage replaces the current boat with a new boat that is, to the greatest extent possible, the same make and model and that contains comparable equipment. If such a boat is not available, a comparative boat that is five model years old or less will be substituted.

For boats more than five model years old, the Rating Base is paid, which must be increased if additional equipment that increases the boat's value is attached by the policyholder.

This coverage requires a sales receipt to determine the Rating Base. Total Loss Replacement coverage is not available for personal watercraft. Disappearing Deductibles coverage is included. Because the boating season is short in the Akron, Barberton, and Cuyahoga Falls, Ohio area this can be a great coverage.

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Replacement Cost Personal Effects

This coverage pays for loss of, or damage to, personal effects while on board an insured boat or while being carried on or off an insured boat. This coverage is available for all boats and personal watercraft. Coverage is available up to $5,000.

The limit for loss to all fishing equipment under this coverage is $300. Additional coverage for fishing equipment can be purchased separately under Fishing Equipment coverage. A $100 deductible applies for theft.

Personal effects do not include permanent equipment or portable boating equipment. Personal effects include, but are not limited to:

  • Binoculars
  • Jewelry
  • Cell phones
  • Coolers
  • CD players
  • Scuba equipment
  • Cameras
  • Portable radios
  • Clothing

This coverage is excess over other forms of insurance. Some policies include this coverage and some do not. In Ohio it is important to check your policy carefully.

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Replacement Cost Personal Effects

This pays for towing and labor costs up to $1,000 per occurrence. You choose from three available limit options: $300, $500 or $1,000. Labor coverage applies when it is performed at the time and place of disablement, while the boat is in the water. This is a reimbursement coverage. The small inland lakes In the Akron, Barberton, Cuyahoga Falls area can make this a must have coverage.

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Roadside Assistance

Roadside Assistance coverage provides towing to the nearest qualified repair facility and covers necessary labor at the time and place of disablement when the tow vehicle or boat trailer is disabled due to any of the following:

  • Mechanical or electrical breakdown
  • Battery failure
  • Insufficient supply of fuel, oil, water or other fluids
  • Flat tire
  • Lockout
  • Entrapment in snow, mud, water or sand within 100 feet of the roadway.

This coverage extends to the tow vehicle while transporting the insured boat/PWC, even if the tow vehicle is insured with another insurance company.

Roadside Assistance is available 24/7, anywhere in the United States or Canada , and you pay nothing out of pocket when you use this coverage. The small inland lakes In the Akron, Barberton, Cuyahoga Falls area can make this a must have coverage.

Roadside Assistance is included automatically on policies with Physical Damage coverage for the following:

  • Pleasure Boats
  • PWCs with trailers

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Fishing Equipment

This coverage pays for loss or damage to fishing equipment while on board an insured boat or while being carried on or off an insured boat. It provides up to $10,000 of coverage, with a $100 deductible for each loss, and it pays up to $1,000 for damage or loss to any one item. Theft must be supported by visible evidence of forcible entry. A tackle box is considered one item regardless of the number of lures, hooks, baits and other items stored in the container. Ohio's fisherman find this a valuable coverage.

Fishing Equipment coverage is primary, meaning that you don't have to submit a homeowners claim for damage to your fishing equipment.

Fishing Equipment coverage is not available for personal watercraft.

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Fuel Spill Liability (included with BI/PD Liability)

BI/PD Liability coverage includes Fuel Spill Liability coverage for unintentional oil or fuel spills that result in bodily injury or property damage for which you are legally responsible because of an accident arising out of the ownership, maintenance or use of your insured boat.

You determine the amount of coverage when you select your BI/PD Liability limits.

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Wreckage Removal (included with Comprehensive and Collision)

Reasonable costs incurred by you are paid for any attempted raising, removal or destruction of the wreckage of your insured boat/PWC that results from any loss for which Physical Damage coverage is provided. The limit of liability varies based on whether or not you are legally required to raise, remove or destroy the boat/PWC. The inland lakes In Akron, Barberton and Cuyahoga Falls area require the boats to be removed.

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Water Sports (included with Liability and Medical Payments)

Water Sports coverage is automatically included with Liability and Medical Payments coverages for no extra premium. Covered water sport activities include water skiing, knee boarding, wake boarding and tubing. Unacceptable water sport activities include parasailing, hang gliding, kite skiing or any other activity involving a device designed for flight.

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Navigational Area

Coverage for navigation of all inland lakes, rivers and navigable waterways of the continental United States and Canada , including ocean waters 50 miles or less from the coast of either the United States or Canada , is included. This does not include the territory or territorial waters of any country other than the United States or Canada . There are no restrictions or surcharges when you take the insured boat out of the home navigational waters. Ohio boaters that travel outside of the 50 miles need to purchase a rider to be covered.

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Bodily Injury & Property Damage Liability

Bodily Injury and Property Damage Liability covers your legal liability for an accident where there is injury to another party or damage to someone's property, up to the limit of liability you select.

Explanation of limits of coverage – For example, 25/50/25 means:

  • no more than $25,000 would be paid per person for Bodily Injury
  • no more than $50,000 would be paid per accident for Bodily Injury
  • no more than $25,000 would be paid per accident for Property Damage

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Comprehensive and Collision

Comprehensive and Collision coverage covers the cost to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. You select a deductible for each coverage, and once the deductible is met, the insurance company pays for the remaining damage. This works very similar to a car insurance policy.

Under Collision Coverage, your insurance company pays for damage to your vehicle when you collide with another vehicle or object.

Under Comprehensive Coverage, your insurance company pays for damage to your vehicle caused by an event other than a collision, such as fire, theft or vandalism.

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Uninsured /Underinsured Motorist

When the at-fault party does not have insurance, Uninsured Motorists Bodily Injury will cover damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages. If your injury expenses exceed the at-fault party's liability limits, you can use Underinsured Motorists Bodily Injury Coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorists coverage, Underinsured Motorists coverage is designed to cover the gap between the other person's liability limits and the amount of your injury expenses, up to the Underinsured Motorists limits you select. Uninsured Motorists Property Damage covers damage to your vehicle caused by someone who does not have insurance. Our laws in Ohio do not enforce the liablity coverage as much as they should. In the AKron, Barberton, Cuyahoga Falls area especially.

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Medical Payments

Medical Payments coverage pays the cost of necessary medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault. The coverage often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states(Including Ohio), Medical Payments only applies after other medical insurance is exhausted.

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Custom Parts and Equipment (CPE)

When Physical Damage Liability coverage (Comprehensive or Collision coverage) is purchased, at least $1,000 of Custom Parts and Equipment (CPE) coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value. CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of the motorcycle or off-road vehicle. This includes, but is not limited to:

  • Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets
  • Sidecars
  • Trailers designed to be pulled behind a motorcycle or off-road vehicle
  • Custom paint, custom plating or custom exhaust
  • Safety riding apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)

Please note: We recommended you retain photos of the motorcycle and all receipts for custom parts and equipment. There are many shops in Akron, Barberton and Cuyahoga Falls that can assist with a list of items that need to be insured.

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Roadside Assistance

Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the place of disablement when your motorcycle or off-road vehicle is disabled due to any of the following:

  • Mechanical or electrical breakdown
  • Dead battery
  • Flat tire
  • Lockout
  • Insufficient supply of fuel, oil, water or other fluids
  • Entrapment in snow, mud, water or sand within 100 feet of the roadway

This coverage extends to trailers being towed by a motorcycle. Immediate sign and drive assistance means you have no out-of-pocket expenses — just sign the receipt and you're back on your way. Roadside Assistance is available 24/7. Roadside Assistance is included with Comprehensive coverage for most Harley-Davidson and touring motorcycles at no charge, and can be purchased at a nominal fee for all other bikes. In the Akron, Barberton and Cuyahoga Falls area this can be very usefull.

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Driving Law: Twelve Point Suspension

Cause: An accumulation of not less than 12 points on your driving record within a two year period.

Length of Suspension: Six months effective the 20th day after mailing of the notice.

Appeal Procedures:

In accordance with Ohio driving law, if cause can be shown why driving privileges should not be suspended, an appeal may be filed in the county or municipal court in the jurisdiction in which the driver resides, agreeing to pay the cost of the proceedings. Appeal should be filed before the beginning date of the suspension for a violation of Ohio traffic laws.

If the driver is under the age of 18, under Ohio driving law the appeal must be filed in the juvenile court in the jurisdiction in which the driver resides.

Reinstatement Requirements:

  • In accordance with Ohio driving law, you must successfully complete a remedial driving instruction course given by an accredited remedial school.
  • NOTE: This course can NOT be taken before the mailing date on the 12-point suspension notice.
  • You must file FRA (financial responsibility) Insurance (SR 22 or Bond).
  • BMV Form No. 2836 will be the your authorization to retake a complete driver license examination.
  • Additionally, a $30.00 reinstatement fee will be required if the suspension notice was mailed on or after 10/01/97 .

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Administrative License Suspension (ALS) - Positive Test

Cause:

A driver is stopped for drunk driving, takes the sobriety test and the test results exceed the legal Blood Alcohol Concentration (BAC). If you are between 16 and under 21 years old, the legal limit is .02% BAC under Ohio driving law. The officer can take your driver license on the spot and the suspension begins immediately. This is true for the Akron, Barberton, and Cuyahoga Falls municipalities.

Length of Suspension:

Depending on previous offenses or refusals, you can have your license suspended for a period of 90 days to 5 years. After a second offense, your vehicle may also be immobilized.

Appeal Procedures:

May appeal suspension at the initial court appearance which will be held within 5 days of the arrest or the issuance of a citation.

Occupational Driving Privileges:

In accordance with Ohio driving law, a driver may petition the court for occupational driving privileges any time subsequent to the date on the notice of suspension.

This petition may be filed in the municipal, county, or in the case of a minor, juvenile court with jurisdiction over the place at which the arrest occurred.

Note: Under Ohio driving law, occupational driving privileges cannot be granted during the following periods:

  • First 15 days of suspension on a first offense;
  • First 30 days of suspension on a person who had a DUI conviction 6 years;
  • First 180 days of suspension on a person who had 2 previous DUI convictions within 6 years;
  • No driving privileges granted if a person has had 3 previous DUI convictions within 6 years;
  • A person, who within the preceding 7 years, has been convicted of or pleaded guilty to 3 or more DUI violations cannot be granted occupational privileges.

Reinstatement Requirements:

  • Serve the suspension period.
  • Pay Reinstatement Fee.
  • Show Proof of Insurance or buy car insurance

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Administrative License Suspension (ALS) - Refusal of Test

Cause:

A driver is stopped for drunk driving and refuses to take the sobriety test requested by the law enforcement agency. In accordance with Ohio driving law, the officer can take your driver license on the spot and the suspension begins immediately. This is true for the Akron, Barberton and Cuyahoga Falls municipalities.

Length of Suspension:

Depending on previous Ohio offenses or refusals, you can have your license suspended for a period of 1 year to 5 years. After a second offense your vehicle may also be immobilized.

Appeal Procedures:

May appeal suspension at the initial court appearance which will be held within 5 days of the arrest or the issuance of a citation. Suspension may not be stayed by appeal.

Occupational Driving Privileges:

Under Ohio driving law a driver may petition the court for occupational driving privileges any time subsequent to the date on the notice of suspension.

This petition may be filed in the municipal, county, or in the case of a minor, juvenile court with jurisdiction over the place at which the arrest occurred.

Note: Under Ohio driving law, occupational driving privileges cannot be granted during the following periods:

  • First 30 days of suspension on a first offense.
  • First 90 days of suspension on a person who had a previous refusal within 5 years.
  • First year of suspension on a person who had 2 previous refusals within 5 years.
  • First 3 years of suspension on a person who had 3 previous refusals within 5 years.
  • A person, who within the preceding 7 years, has been convicted of or pleaded guilty to 3 or more DUI violations cannot be granted occupational privileges.

Reinstatement Requirements:

  • Serve the suspension period.
  • Pay Reinstatement Fee.
  • Show Proof of Insurance by buying car insurance

Termination of Suspension:

The ALS Refusal Suspension will be terminated by the registrar upon notice that:

  • The person entered a plea of guilty to D.U.I. and the refusal suspension arose from the same incident.
  • The person entered a plea of no contest to D.U.I., was found guilty and the refusal suspension arose from the same incident.

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Court Suspension

Cause: A traffic violation.

Length of Suspension: Determined by the court.

Appeal Procedures:

Contact the Akron, Barberton or Cuyahoga Falls court of conviction. Under Ohio driving law, the court, if it chooses, may grant occupational driving privileges or terminate the suspension before its ending date.

A journal entry bearing the court seal must be forwarded to the Bureau indicating the action the court took before our records are changed.

Reinstatement Requirements:

  • Serve the length of the suspension.
  • Additionally, a $30.00 reinstatement fee is required if the suspension is longer than 89 days and the offense date is 10/01/97 or greater.

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How is a Dwelling Fire policy different than a Homeowners HO-3 policy?

Dwelling Fire DP-1 Policies:

A Dwelling Fire (DP-1) policy protects a Akron home against the perils specifically named in the policy. Many common causes of damage, such as fire, hail and lightning, are usually listed as a covered named peril in a Dwelling Fire policy. If something other than a named peril causes damage to the home, the policy does not cover the loss.

  • Dwelling Fire policies typically settle claims at actual cash value or repair cost. If the homeowner desires protection for the contents of the home, this coverage is optional and needs to be added to the policy. A Dwelling Fire policy may also offer optional liability protection. These can be paired up with car insurance.

Homeowners HO-3 Policies:

In general, a Homeowners HO-3 policy protects a Cuyahoga Falls home against most anything that can cause damage or loss to the home and its contents, unless a peril is specifically excluded from the policy protection. For example, if earthquakes are excluded, the policy will not cover losses caused by this peril.

  • Covered losses to the Barberton home and contents may be settled on a replacement cost or actual cash value basis, depending on the coverage provided. Liability coverage is usually included in the policy just like car insurance.

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What Dwelling Fire (DP-1) Policies Provide

Dwelling Fire (DP-1) is a Named Peril insurance policy, which means the policy only covers losses to covered property that result from a peril listed in the policy. If damage is caused by an event that is not listed in the policy, the policy does not cover repair or replacement.

A Dwelling Fire (DP-1) policy covers the Akron home and other structures (detached garages and sheds, for example), for all of the following named peril events:

  • Fire or lightning
  • Explosion
  • Windstorm or hail
  • Riot or civil commotion
  • Aircraft
  • Vehicles owned by others
  • Smoke
  • Volcanic eruption

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Additional Coverages

  • Actual Cash Value Coverage for Total Losses. If the Akron home or other structures are ever destroyed or damaged due to a covered loss, we will pay the Actual Cash Value for the loss.
  • Repair Cost Coverage for Partial Losses. Most losses are partial - which means, the home has sustained some damage due to a covered loss, and needs repair. We'll pay the cost to repair the damage, unless that cost exceeds the actual cash value of the property. In those rare cases, we will pay the actual cash value for the loss.
  • Coverage for Other Structures. The policy protects detached garages and sheds on your property against loss, too - at 10% of the overall dwelling coverage limit.
    • Just like with the Barberton home, the loss that caused damage to the other structure must be one of the perils listed on the policy.
  • Personal Property Coverage. This optional coverage helps protect the homeowner's personal property against damage caused by named perils.
  • Fire Department Service Charge Coverage. If the fire department needs to come to the home, the Cuyahoga Falls homeowner may be billed for the trip they make.
  • Reasonable Repair Coverage. Sometimes, homeowners need to make immediate repairs to the home to guard against additional damage. For instance, you may need to cover your roof if a windstorm blows part of it away. Our policy reimburses policyholders for reasonable repair expenses incurred to protect your home against further damage.
  • Vandalism and Malicious Mischief. Optional coverage that protects against this type of damage.
  • Personal Liability Coverage. An optional coverage that protects our customers should they be held liable for accidents:
    • that happen to other people while they are on the insured property.
    • that are caused by the customer's own negligence when away from the insured property.
  • Premises Liability for Rental Homes. This optional coverage is important for our customers who rent out their Ohio homes to others. It protects the customer if they are held liable for accidents that happen to other people while they are on the insured property.
  • Burglary coverage. Optional coverage that protects the home and personal belongings for their actual cash value, if someone forces entry into the home.

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