glass on the ground after a car crash

Do I Need to Have Uninsured Motorist Coverage?

Ohio requires drivers to have specific insurance coverage, but uninsured motorist coverage is not on that list. So, to answer the question of the blog, the quick answer is no. That doesn’t mean that drivers shouldn’t consider this type of coverage.

You can benefit significantly by adding uninsured motorist coverage. Below, we’ll explain why it’s so helpful so that you recognize your rights after a car accident.

When Uninsured Motorist Coverage Helps

Here are some of the scenarios that can increase the need for uninsured motorist coverage:

  • When a driver doesn’t have insurance coverage: Because Ohio is an at-fault state, you would generally file a claim with the responsible driver’s insurance provider for compensation. If the driver doesn’t have coverage, you will go through your uninsured motorist coverage to seek compensation.
  • When a driver doesn’t have adequate insurance coverage: If the other driver has insurance, but your damages exceed their limits, you may need to utilize your coverage for the rest of your losses.
  • When a driver hits you and flees: A hit-and-run can be challenging to experience. You may not know what to do if you can’t get the other driver’s information. If you have uninsured motorist coverage, you’ll have peace of mind knowing you can still seek compensation for your damages.

While it’s not a requirement to have uninsured motorist coverage, it’s never a bad idea to protect yourself. It’s crucial to give yourself an option to pursue compensation in a challenging situation. Knowing what to do with help from a lawyer can provide you with peace of mind.

Our Cleveland car accident attorneys at Spangenberg Shibley & Liber LLP will help support you through this challenging process. We know how uninsured motorist claims work and what happens when insurance companies don’t live up to their side of the agreement. We work for you when you need us most because we care about getting you the results you deserve.

Call our firm at (216) 600-0114 today for a free consultation.

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