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Auto Insurance Smart Protection for Every Mile

A young woman smiling as she sits in the passenger seat of a car, looking back at the camera, with a man driving the car on a sunny day.

At Nestor Insurance Agency, we know your car keeps your life moving. From daily errands to weekend getaways, the right coverage brings peace of mind every mile.

As your local independent agency in Miamisburg, we make it easy to find affordable, personalized auto insurance from top-rated carriers. Our auto insurance coverage options include:

What you need to know when renting a car.

Why Auto Insurance Matters

It’s the Law. Most states require drivers to carry a minimum level of liability coverage, and for good reason. Driving without insurance could lead to fines, a suspended license, or even legal trouble.

It Protects Your Wallet. Car repairs and medical bills add up fast. The right car insurance policy helps cover those unexpected costs so you’re not left paying out of pocket.

It Shields You from Lawsuits. If you’re found at fault in an accident, auto insurance can help with legal fees, settlements, and other related expenses.

It Brings Peace of Mind. Knowing you’re protected helps make every trip a little less stressful. If something goes wrong, you’ll have the support you need to get back on track.

It May Be Required by Your Lender. If you're leasing or financing your car, your lender will likely require comprehensive and collision coverage. We’ll help you make sure you’re covered.

Helps cover costs if you're responsible for an accident, including injuries to others and damage to their property.
Bodily Injury Liability pays for medical expenses and legal fees if you injure someone in an accident.
Property Damage Liability covers repairs or replacement if you damage someone else’s vehicle or property.
Helps pay to repair or replace your vehicle after a crash, no matter who was at fault.
Covers non-collision damage from events like theft, vandalism, fire, falling objects, hail, or flooding.
Covers medical bills for you and your passengers. In some cases, it may also cover lost wages after an accident.
Steps in if you're hit by a driver with little or no insurance.
If your car is totaled, this coverage helps pay the difference between what your car is worth and what you still owe on your loan or lease.

Things to Know Before Using Your Personal Car for Rideshare

Driving for a rideshare program like Uber or Lyft can be a great way to earn extra income—but it can also create big gaps in your auto insurance coverage if you’re not prepared. Your personal auto policy is designed for everyday driving, not commercial use, so once you start transporting passengers for a fee, things change.

Here’s what every driver in Miamisburg and across Ohio should know before logging in to the app.

Most standard auto insurance policies have something called a livery exclusion—meaning if you’re in an accident while waiting for a ride request or driving a passenger, your personal insurance may not pay for damages. That includes both injuries to others and repairs to your own car.
Companies like Uber and Lyft do provide some insurance, but only in certain phases of your shift:

Driving Phase: App Off
- Your Personal Policy: Personal coverage applies
- Rideshare Coverage: No coverage
Driving Phase: App On, Waiting for a Ride
- Your Personal Policy: Usually excluded
- Rideshare Coverage: Limited liability only — no collision or comprehensive coverage
Driving Phase: Ride Accepted or Passenger in Car
- Your Personal Policy: Excluded
- Rideshare Coverage: Full liability plus collision and comprehensive coverage (with a deductible)
The biggest risk? Phase 1 — when your app is on, but you don’t yet have a passenger. You may have minimal liability protection from the rideshare company and no coverage for damage to your own car.
If your insurance company discovers you’re driving for a rideshare without telling them, they could cancel or non-renew your policy—even if you haven’t had an accident.
Even when rideshare collision coverage applies, deductibles can be steep (often $2,500 or more). Without the right protection, one accident could leave you with a hefty repair bill.
The good news? Many insurers now offer rideshare endorsements or hybrid auto policies designed to bridge the gap between your personal policy and the rideshare company’s coverage. At Nestor Insurance Agency, we can help you find a plan that protects you in every driving phase—so you can focus on your passengers, not your policy.

Thinking about driving for Uber or Lyft?

Before you hit the road, let’s review your rideshare insurance options and make sure you’re covered every mile. Contact us today to talk with one of our licensed insurance agents in Miamisburg, Ohio.

Why Choose Nestor for Auto Insurance in Miamisburg?

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LOCAL EXPERTS WHO CARE

We live and work in Miamisburg, so we understand the unique needs of our neighbors. Our local knowledge sets us apart from big, national insurance providers.

PERSONALIZED SERVICE

No one-size-fits-all plans here. We take the time to understand your situation and match you with the best personal auto insurance in Ohio.

MORE OPTIONS, BETTER RATES

As an independent agency, we shop with multiple trusted insurance carriers to find competitive auto insurance quotes in Miamisburg, saving you time and money.

Let’s make sure you’re protected for whatever the road brings. Call 937-866-6138 today or fill in the form below to schedule a no-cost, no-obligation consultation with a local agent you can trust. Or stop by our office—we’d love to meet you.

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