Jefferson County
Your car insurance exists for one moment — the one you hope never happens. Too many drivers find out at the worst possible time that the cheapest policy they could buy wasn’t actually enough. McBane Insurance builds personal auto coverage around what you explain to us you need, not just what Ohio requires you to carry.
What Ohio Actually Requires
Ohio law requires drivers to carry at least 25/50/25 liability coverage — that’s $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage coverage. It’s the legal floor, not a recommendation. Those numbers were never designed to reflect what a serious accident actually costs today: emergency room visits, surgery, rehabilitation, a totaled newer vehicle, or months of lost income for someone you hit.
Where State-Minimum Policies Fall Short
A single ambulance ride and ER visit can approach $25,000 before treatment even really begins. If you’re found at fault in an accident that injures more than one person, $50,000 gets split between everyone hurt — nowhere near enough if there’s a serious injury involved. And $25,000 in property damage won’t come close to replacing a newer vehicle. Once your liability limits are exhausted, you are personally on the hook for the rest — your savings, your wages, even future income can be at risk.
On top of that, not every driver on the road is carrying even the minimum. If you’re hit by someone with no insurance, or not enough of it, your own policy needs uninsured/underinsured motorist coverage to protect you — it doesn’t come standard just because you bought a policy.
What a Properly Built Policy Includes
- Bodily Injury & Property Damage Liability — set at limits that actually match your risk and assets, not just the state floor.
- Uninsured/Underinsured Motorist Coverage — protects you when the other driver doesn’t have enough insurance (or any).
- Medical Payments / Personal Injury Protection — helps cover medical costs for you and your passengers regardless of fault.
- Comprehensive & Collision — repairs or replaces your vehicle after an accident, theft, or weather event.
- Rental Reimbursement & Roadside Assistance — keeps you moving while your vehicle is repaired.
- Umbrella Coverage — an extra layer of liability protection for drivers with more assets to protect, sitting on top of your auto and home policies.
How We Build Your Policy
As an independent agency, we’re not limited to one insurance company’s rates or rules. We compare your situation across carriers we trust — including Westfield, Cincinnati Insurance, Auto-Owners, Grange, and Progressive — to find the coverage and price that actually make sense for your vehicles, your driving record, and your household. Then we sit down with you and explain what you’re buying, in plain language, so you know exactly what protection you have before you ever need to use it.
Get a Policy Built Around What You’d Actually Need
Let’s compare your current coverage against what’s really at risk. Call your nearest McBane office or request a quote — it costs nothing to find out where the gaps are.
Additional Coverage & Discounts
A few extra options are worth knowing about when you’re building your policy:
- Umbrella Coverage — an extra layer of liability protection that sits on top of your auto and home policies. Bad accidents can happen to anyone, so it’s worth considering no matter what you own.
- GAP Coverage — if your car is totaled or stolen, GAP coverage pays the difference between what you owe on your loan or lease and what the vehicle is actually worth.
- Discounts — ask us about savings for paying your policy in full, being a safe driver, and being a good student.
