When the driver who hurt you can't pay, your own uninsured/underinsured motorist coverage may become your most important protection.
Why It Matters in Ohio
Ohio requires drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $25,000 in property damage — minimums that rarely cover a serious injury.
A significant share of Ohio drivers carry only the minimum — or drive uninsured entirely despite the requirement. If a minimally insured driver causes catastrophic injuries, their policy can be exhausted almost immediately.
How UM/UIM Works
Uninsured motorist (UM) coverage pays when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage pays the gap when the at-fault driver's limits are too low to cover your losses. In Ohio, insurers must offer UM/UIM, though you can reject it in writing.
Stacking and Multiple Policies
Depending on your policy language, coverage from multiple vehicles or household policies may apply. Reviewing every available policy is part of maximizing recovery.
Disputes With Your Own Insurer
A UM/UIM claim is filed against your own insurance company, which may still fight the value of your claim. Having an attorney levels that conversation.
Injured in Ohio? Get a free, confidential case review. No obligation, and no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. Laws change and every case is different. For guidance on your specific situation, consult a licensed Ohio attorney.