Ohio Drivers: Uninsured/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy
Uninsured/underinsured automobile insurance in Ohio is relatively inexpensive to add to your liability coverage and so very important if the personal that causes the car accident is uninsured or underinsured. If you suffer injuries and property damage due to the negligence of others, you must be sure that you get paid from the at-fault insurance OR from your own insurance company. Make sure you have uninsured/underinsured coverage on your automobile policy.
What does uninsured/underinsured motorist insurance cover?
Uninsured/underinsured motorist insurance covers your injuries, your passengers’ injuries, and damage to your vehicle if you’re hit by a driver who doesn’t have enough or has no auto insurance coverage.
If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers in excess of the at-fault coverage.
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle in excess of the at-fault coverage.
The link below is the Ohio Revised Code section on this topic:
If you present an uninsured or underinsured claim to your insurance company, your insurance rates will not increase. The accident was not your fault, and you are paying for this coverage. Your insurance company has a contractual obligation to provide coverage for you.
Have questions about this topic, please feel free to call Howard Skolnick directly on his cell phone at (216) 376-0645.