Understand Ohio uninsured and underinsured motorists coverage

Ohio Car Insurance – Uninsured and Underinsured Ohio Car Insurance 101

By: Jim Zuccaro

Many people are confused when it comes to Ohio car insurance as it relates to the importance and differences between underinsured and uninsured motorist coverage.  With nearly 11.5 million residents in the Buckeye state, you’d better believe that there are both underinsured and uninsured motorists out there.  Illegal or not, it’s what people do.  The experts say that the percent of uninsured or underinsured drivers in any given part of the country can go as high as 25%!  With a number such as this, you want to protect yourself.  So let us discuss the differences between them.

Uninsured motorist coverage in your Ohio car insurance policy is there for the motorist who drives with no coverage at all.  This can also be someone whose limits for coverage don’t meet the state minimums.  Ohio’s state minimums are 12.5/25/7.5, which means $12,500 per person in one incident, $25,000 per incident, and $7,500 in property damage.  These are the lowest limits that a person can purchase in the state of Ohio.  Many people purchase this coverage, and so therefore, it is always a great idea to always provide your own uninsured motorist coverage so that if this happens to be the person you collide with one day, you won’t be down and out.

An underinsured driver has the state minimum Ohio car insurance coverage, but does not have enough coverage to cover the costs associated with an accident.  Both of these types of coverage will allow you to have your expenses covered in the event that one or both of these situations occur upon getting into an accident.  Due to the incredibly high cost of medical treatment these days, it is not ever a bad idea to buy this type of coverage. It can save your finances and sanity.  Knowing that you have this additional coverage can set your mind at ease.

As you can imagine, having an accident with an underinsured, or worse, an uninsured, motorist can wreak havoc on your health, finances, and vehicle.  You can have a great feeling of ease, and peace of mind, if you know you have bought your Ohio car insurance with the additional coverage of uninsured and underinsured motorist coverage.  Nearly everyone gets this with their policy, but many people do not know why.  It is a very important option to add to your auto policy that everyone should get.  Then, if you are unfortunate enough to get into an accident, you can figure out what you need to without the added worry of the expense.

Jim recommends visiting this updated site about Ohio Car Insurance information and coverage options available.

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