Honestly, I’ve seen folks in Ohio regret skipping it after a single fender bender on black ice. One client thought she’d never need it, then her rates...

- Been there with the agreed value debate—had a client with a ‘72 Bronco, not exactly stock, and he was nervous about the payout if anything happened....

I’ve seen both sides of this with clients in Ohio—some swear by accident forgiveness, others think it’s just another way for insurers to squeeze a few...