Uninsured/underinsured Motorist Coverage Quote Forms
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Uninsured/underinsured Motorist Coverage Information
Ohio requires all drivers to purchase minimum auto liability insurance coverage, but many still choose to forgo this coverage. If you are in an accident with an uninsured driver or one who doesn’t have enough liability coverage to pay for the damage they cause, you may have to sue to force them to cover your bodily injuries and property damage.
Uninsured/underinsured motorist coverage is an optional policy in Ohio. This insurance can help you recover financially after an accident with an at-fault driver who doesn’t have enough (or any) liability coverage.
Contact The Insurance Pad in Beachwood, Ohio, to learn more about how uninsured/underinsured coverage can help provide crucial financial protection.
How Uninsured Motorist Coverage Works?
If you are in a hit-and-run accident or the other driver is uninsured, you can file a claim with your insurance company. It’s wise to file a police report, as your insurer may require official documentation of the incident.
Your insurer will assign an adjuster to your claim to collect additional information from you, including photos of the damage. After investigating the incident, the adjuster will recommend a payout to help cover property damage and medical costs.
What Does Uninsured Motorist Coverage Pay For?
If you are in an accident with an uninsured driver or someone with a liability policy with limits too low to cover their legal liability for your property damage and injuries, your uninsured/underinsured motorist coverage may help pay your medical bills, lost wages and car repairs.
Uninsured Vs. Underinsured Motorist Coverage
Uninsured motorist coverage may help provide financial protection up to your coverage limits if you are in an accident with an uninsured driver.
Underinsured motorist coverage may help pay for medical costs and property damage exceeding the at-fault driver’s auto liability policy’s limits. With underinsured motorist coverage, the at-fault driver’s policy pays damages first, and then your coverage kicks in.
Which States Require Uninsured Motorist Coverage?
Each state determines whether residents must purchase auto insurance. Not all types of auto insurance are available in every state. About half of all U.S. states require uninsured or underinsured motorist coverage.
Ohio drivers can add uninsured/underinsured motorist coverage to their existing auto insurance plan.
Contact The Insurance Pad today to get personalized quotes for an auto insurance plan customized to meet your needs.