Uninsured and Underinsured Motorist Insurance Clauses in an Auto Insurance Policy

June 26, 2012

Auto Accidents

car insurance policyAuto insurance is not easily understood when it comes to reading the policy itself.  The companies use complicated language that the average person is not able to understand unless it is explained to them by someone who understands the business and the unique terminology associated with it.  Ohio requires that all drivers of motor vehicles maintain a minimum of liability insurance on their vehicles.  Without proof of insurance, drivers can be denied registrations for their vehicles.  If pulled over by the police, drivers are ticketed and sometimes have their vehicle towed if they cannot prove that they have insurance immediately.

Liability insurance covers the other driver’s loss in an accident, if that driver is at fault according to the police report.  The Ohio state minimum on liability car insurance is $12,500.   This means that if someone hits your car and is at fault, and you have more than $12,500 in medical bills, those bills may not be covered.

The great thing is that Ohio does allow auto insurance companies to offer “Uninsured” and “Underinsured” motorist policy add-ons to their customers.  These two options can be added to most insurance policies at an added cost above the premiums.  Uninsured motorist covers the policy holder when they are in an accident in which they are not at fault, where the other driver either has no insurance, or cannot be found.

On the other side of the coin, underinsured motorist covers the policy holder when they are in an accident in which they are not at fault, where the other driver has inadequate policy limits which will not cover the damage that has incurred incident to the accident they caused.  The example above regarding a state minimum policy on a driver who is at fault, and not being able to cover the medical expenses incurred on the not-at-fault- driver is what underinsured motorist is designed to insulate against.

It is advisable to carry both Uninsured and Underinsured motorist policies on your vehicle.  Ohio law allows for the addition of both to automobile coverage.  Their addition could be the difference between compensation for your medical bills and next to nothing to compensate you for damages if you are in a car accident.

Should you have the unfortunate happening of an auto accident, please call Slater & Zurz, LLP at 1-800-297-9191 to set up a meeting with the finest personal injury attorneys in the area.  We understand the law and will lead you in the proper direction to protect yourself and your family.

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About slaterzurz

Slater & Zurz LLP is an Ohio law firm of highly experienced and respected attorneys. Over the last 40 years, we have developed a reputation for getting positive results for clients. We've been trusted with handling over 20,000 personal injury cases and our clients have received more than $120,000,000.

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2 Comments on “Uninsured and Underinsured Motorist Insurance Clauses in an Auto Insurance Policy”

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  1. Uninsured and Underinsured Motorist Insurance Clauses in an Auto Insurance Policy - July 19, 2012

    […] have their vehicle towed if they cannot prove that they have insurance immediately.Source: wordpress.com Choose State… Alabama Alaska Arizona Arkansas California Colorado Connecticut Washington D.C. […]

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