Uninsured or UnderInsured Motorist (UM/UIM)

Uninsured or UnderInsured Motorist (UM/UIM)

Uninsured and UnderInsured motorist coverage is optional in Ohio. Many years ago, it was at least mandatory for an agent to offer the coverage and explain what it is when purchasing automobile collision insurance. However, the Ohio legislature changed the laws so that it is not required even to offer that coverage, leaving many drivers without “full” coverage. Even though you believe you have “full coverage,” you may not.

What happens when someone runs a red light and they were not carrying state-mandated liability coverage? In such a situation, you must address your damages and losses with your own insurance carrier through the UM/UIM portions of your policy – if you purchased that coverage.

Too many times, we are unable to help injured drivers or passengers because the other driver was operating without insurance coverage and the injured person did not have his or her own Uninsured/UnderInsured motorist coverage. It’s heartbreaking and preventable.  

Please call your insurance agent and ask them to review the status of your UM/UIM coverage – not only for bodily injury, but also for property damage (to repair your car).

If you or a loved one have been injured by an uninsured driver or have suffered injuries where the other driver had insufficient coverage to compensate you for your damages (UnderInsured coverage), please contact Oliver Law Office at 614-220-9100 to schedule a free consultation. We are here to help.

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614-220-91007240 Muirfield Dr., Suite 120 Dublin, OH 43017

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Oliver Law Office
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Jon Freed
Jon Freed
16:36 14 Oct 21
Great consultation. If I proceed, it will be with Ms. Oliver
John Zimmer
John Zimmer
15:03 02 Sep 21
I need to tell you how great it was for Attorney Jami Oliver to handle my case. First she listened to what the situation that I was facing.... She educated me on what the chances were as far as possible success as well as pitfalls that could disrupt that success. She was very honest as far as letting us know the chances of winning versus losing. It was a difficult case, and she still educated us as to what our options were and how the process worked. She instructed us on what to say as well as what not to say. Sometimes you need to talk and other times not talk. She believed in us and fought for us. You can't go wrong to hire her the staff that compliments her strengths. John Zimmerread more
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