Category Archives: Uncategorized

New Increase in Auto Insurance Minimum Limits

The state of Ohio has increased the minimum limit requirements for auto insurance as of December 22, 2013. The minimum for Bodily Injury Liability is $25,000 per person & $50,000 per occurrence, while the minimum for Property Damage Liability is $25,000. For existing customers, the new limits will become effective when your policy renews. For new customers, all policies must be written at the new minimum limits or higher. Contact us with any questions you may have!

Staged accidents and Fraudulent claims.

A recent study by the National Insurance Crime Bureau shows that questionable auto accident claims increased 46% between 2007 and 2009. This is a characteristic that we traditionally see when the economy is off and people are feeling the financial pinch and the temptation to create claim income increases. The complete study is available at

Sutherin-Melling awarded top performer.

Monday, SAFECO insurance (a member of Liberty Mutual Agency Markets) will award Sutherin-Melling Insurance Agency with the “H. K. Dent Society” award for their excellent performance. Less than 7% of the National sales force of SAFECO are so honored.
SAFECO is the insurer who will head personal lines across the country for Liberty Mutual Agency Markets and will appear on policies formerly bearing the name Ohio Casualty Insurance Company, Peerless Insurance, Indiana Insurance, and West American Insurance Companies.
We are proud to be included in this exclusive group. Sutherin-Melling has represented Ohio Casualty since 1936.

New Mandatory Registration in Ohio

Golf cart, ATV, and off-road vehicles are now subject to Ohio’s new mandatory registration which became effective July 1, 2009. Make sure you register your specialty vehicle. As a registered vehicle, you will need to be sure you have specific insurance on your registered vehicles. YOU ARE UNINSURED unless you have specific insurance on them. The old reliance on the homeowners policy to pay for them and for their liability DOES NOT APPLY any longer.

Insurance Limits are Your Responsibility

While many advertisers try to make insurance a simple matter of PRICE, the truth is that insurance is your ‘fence’ from financial tragedy! You have many coverage limit choices to make. YOU are responsible and YOU decide what limits you are comfortable with. We are here to help you make those decisions. Remember to review your new policies. HIGHER LIMITS OF PROTECTION ARE ALMOST ALWAYS AVAILABLE.

VACANCY insurance penalty.

Most insurance policies have significant PENALTIES for properties that are vacant. In this economy there are more empty homes and business locations that we can recall in our history. IF YOU OWN A HOME OR BUSINESS THAT IS VACANT YOU NEED TO DISCUSS THE SITUATION WITH YOUR INSURANCE AGENT. You will be very unhappy if you wait to call until after you have a claim!

Ohio Bureau of Motor Vehicles adds FEE

Starting Oct. 1, 2009, the BMV has been required to impose a $20.00 late fee on all late driver license and vehicle registration renewals. There is a 7 day grace period associated with the late fee.In order to avoid a late fee, remember to complete renewals before the expiration date, either in person, by mail or on-line at