Uninsured and Underinsured Motorist Coverage Ohio

If You Have Been Injured By An Uninsured Or Underinsured Motorist In Ohio

Ohio Uninsured motorist and underinsured motorist coverage (UM/UIM) is a type of auto insurance you can purchase to supplement a negligent driver’s coverage if his or her policy limits are not sufficient to cover your losses in an auto accident. It is not required coverage under Ohio law, so there is a chance that it may not be included in your policy.

For those who do have UM/UIM coverage, it can be extremely beneficial in the event of a serious accident. The minimum coverage required by Ohio law remain quite low, and it can be easy to exhaust a negligent driver’s policy limits. If you have been injured by an uninsured or underinsured driver, it is important that you understand how your UM/UIM coverage works, what your rights are and how to pursue a claim. These processes can become quite complex, and having an experienced Westerville uninsured motorist lawyer can be very helpful.

Helping You Through A Complex Process

At Heit Law, LLC, our Columbus uninsured motorist lawyer work hard to find solutions that provide my clients with the full and fair compensation they need after an auto accident. In some cases, this means filing a claim against your own insurance company. I will review your policy to determine if you have UM/UIM coverage and, if you do, walk you through the process of filing a claim.

I know that it can be uncomfortable to file a claim with your own insurance company when you were not at fault, but that is exactly the purpose of your UM/UIM coverage. Many of my clients fear that their rates will be increased if they file a UM/UIM claim. Rest assured that, Ohio law strictly prohibits insurance companies from taking such retaliatory actions against its policyholders.