Do I Need Uninsured Motorist Coverage?
Updated: Dec 19, 2019
There is nothing worse than being injured in an accident caused by someone else’s neglect, resulting in medical bills, repair expenses and time away from work?
According to the Insurance Information Institute, more than 12.4% of all drivers in Ohio are uninsured. Uninsured drivers can cause devastating injuries during a car accident and might leave you unsure about how to cover for the losses they have caused. Luckily, there is a way you can protect yourself from this predicament: Buy Uninsured Ohio Car Insurance.
While you are required by law to have liability insurance on your vehicle, there is certain coverage, which is optional. One coverage option is uninsured motorist coverage. Uninsured motorist coverage is a part of an auto insurance policy, which pays you for your medical bills or repairs.
Usually, when you are in an accident and the other driver is at fault, his/her auto liability coverage will help you pay for your medical cost and repairs. But in case the driver who is at fault doesn’t have auto insurance, you might have to pay from your pocket. This is where uninsured motorist coverage can help.
What an Uninsured Motorist Policy Covers?
Uninsured motorist policy offers two types of coverage:
The bodily injury coverage assists you to pay for your medical costs due to a crash caused by an uninsured driver.
The property damage coverage assists you to pay for your vehicle repairs after a crash is caused by an uninsured driver. This is not available if you have collision coverage on your vehicle already.
Why Do I Need Uninsured Motorist Coverage?
Though law in most of the states requires liability insurance, many drivers do not carry auto insurance. The even more prevalent problem is that even more drivers only have the minimum liability coverage. This is called underinsured motorist which is also included with uninsured motorist. If you have more injuries and lost wages than the $25,000 bodily injury state minimum limit available, then you can go back to your own policy and collect under your own higher limits. Due to this reason, Oyer Insurance strongly recommends uninsured/underinsured motorist coverage. Oyer insurance is your Wooster car insurance that can help you find the coverage, which works best for you.
Oyer Insurance is your leading Wooster insurance agency who have the expertise to keep you legal in Ohio with Ohio SR22. Message, call or stop in to get more information about uninsured motorist insurance.