Locally owned and operated, Rodgers Insurance Agency was founded in 1984 by Mary Jane Rodgers. As a small town company we can provide a more personal service to our customers. With Mary Jane and Devan Rodgers, it continues to be family owned because we know what matters.
To provide the most complete coverage for our policyholders, we've partnered with Perry Mutual Insurance.
$12,500 each person, $25,000 each accident, and $7,500 property damage liability. While these limits do make you legal to drive, it is important to note that your personal assets are at risk if you cause an accident and the damages are greater than the limits you carry. Often times, it adds very little additional premium to your monthly premium to increase them.
An umbrella is a type of policy that provides additional liability in the event of a loss over and above the limits you carry on your home or auto policy. It is usually in increments of $1,000,000 and is a very inexpensive way to further protect yourself and loved ones.
The State of Ohio mandates that any licensed vehicle must carry liability coverage. While you are the owner of your policy and can remove or add any vehicle, you do run the risk of losing your license. Ohio sends randomly selected vehicle owners requests to provide proof that a vehicle has liability coverage on a certain date. If the titled owner fails to comply, they will have their license suspended.
Most insurance policies are required to be written at replacement cost. A good percentage of the time, the dwelling does cost more to rebuild than either the price you paid or what it is worth. This is for your protection.
Over the last several years, insurance companies have become more sophisticated in how they derive the rate you pay for auto insurance. Factors used, but are not limited to: age, marital status, accidents, tickets, credit score, as well as the type of vehicle you drive. Sometimes, even if none of these factors changes, a company may still have a rate increase due to the losses they have experienced in and around the area in which you reside.
First, call the police. Next, be sure and swap information with the other parties involved. This will be crucial in the claims process. At your earliest convenience, contact your insurance agent to submit a claim.