As drivers, car insurance gives us peace of mind that, in the event of an accident, our insurance coverage will cover the cost of vehicular damage and/or medical expenses. But what if you’re involved in an accident where the at-fault party has little to no insurance coverage? It may be frustrating to learn that, in the event this happens to you, you may be responsible for part or all of your accident-related expenses. With nearly one in every eight motorists driving uninsured, it’s important to adequately prepare yourself for and protect yourself from uninsured drivers.
While car insurance is mandatory in most states–including Ohio–the reality is that this requirement doesn’t keep uninsured motorists off the roadways. Luckily, however, insurance companies offer crucial insurance coverage called uninsured and underinsured motorist (UM/UIM) coverage to better protect you and your family.
In the event of an accident with an uninsured or underinsured driver (drivers who do not carry enough liability insurance to cover the cost of the damages you incur), your UM or UIM coverage will kick in. Essentially, UM and UIM coverage allows you to collect from your own insurance company in the event you are involved in an accident with an underinsured, uninsured, or hit and run driver.
Thankfully, UIM and UM coverage is relatively inexpensive; it is, however, a preventative measure you should take to protect yourself and your family as soon as possible. By the time you’re involved in an accident, it is too late to obtain UIM/UM coverage.
Obral, Silk & Pal Personal Injury Attorneys has over 95 years of combined experience representing clients with pertaining to Ohio Uninsured Motorist and Underinsured Motorist coverage. If you or a loved one has been involved in an automobile accident with an uninsured or an underinsured driver, contact us today. Your initial consultation is FREE.
Injuries change lives…so do we.