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.