The state of Ohio requires all motor vehicle drivers to carry insurance or proof of financial responsibility— it is the law!
However, there are many people out there who do not carry car insurance or only carry the minimum coverage requirement. As an attorney and a friend, I can tell you that it is dangerous and irresponsible to not carry sufficient insurance! Sadly, I see my fair share of drivers who have caused serious harm to others and do not have insurance to cover those who are injured.
What can we do to avoid being in that type of situation? The law can require drivers to have insurance, but there will always be drivers who disobey the law.
Protect yourself against uninsured drivers by adding Uninsured Motorist Coverage to your policy.
Uninsured motorist coverage provides security to its driver in the case of an accident caused by a driver with no liability insurance.
Here are some key points of this type of policy:
- Uninsured motorist coverage varies by state, but it is available to Ohio drivers.
- It can be purchased through your car insurance provider.
- Coverage only applies if it is purchased before an accident occurs, it cannot be added to your policy after.
- If you are injured by an at-fault driver but they do not carry insurance, your coverage will kick in to cover you.
- Coverage cost is inexpensive; it can range from 10-20% of your policy.
The only way to insure that you will always be covered no matter the situation is to consider adding this coverage to your policy.
As a car accident attorney for over 30 years, I have had the unfortunate experience of telling many injured victims that the at-fault party does not carry insurance.
Take preventative measures and protect yourself and loved ones by purchasing uninsured motorist coverage!
Author: Tim Misny | For over four decades, personal injury lawyer Tim Misny has represented the injured victim in in birth injury, medical malpractice, and catastrophic injury/wrongful death cases, serving “Cleveland, Akron/Canton, Columbus, Dayton and neighboring communities.” You can reach Tim by email at misnylaw.com/ask-tim-a-question/ or call at 1 (877) 944-4373.