Under Revised Ohio Code 3937 and 18, coverage for uninsured or underinsured drivers is offered to residents of Ohio for an amount equal to that of liability insurance and must cover bodily injuries that exceed the amounts covered by the responsible driver.
Unless otherwise defined in the policy or in any policy endorsement, motor vehicle, for the purposes of coverage for uninsured motorists, coverage for underinsured motorists, or coverage for uninsured or underinsured motorists, means a self-propelled vehicle designed for use and used primarily on public roads, including a car, a truck, a semi-tractor, a motorcycle, and a bus.. The motor vehicle also includes a motorhome, provided that the motorhome is not stationary and is not used as a temporary or permanent residence or office. The motorized vehicle does not include a streetcar, a trailer, a railway engine, a railroad car, a motorized bicycle, a golf cart, an off-road recreational vehicle, a snowmobile, a forklift, an airplane, a boat, a construction equipment, an agricultural tractor, or other vehicle designed and used primarily for agricultural purposes, a mobile home, a vehicle traveling on treads or rails, or any similar vehicle.
If you file a claim under your UM or UIM coverage, your insurance company will investigate the claim, including the extent of your injuries, the cost of your past and future medical treatment, any lost wages due to lack of work, pain and suffering, emotional trauma, and other economic and non-economic losses you may have suffered as a result of the accident. Once your insurance company determines that the other driver was uninsured, your UIM coverage will cover the claim and pay for medical bills and property damage, up to the limits of your insurance coverage. Drivers can refuse coverage for uninsured drivers in states where it's optional, but insurance companies must still offer it. No, you shouldn't refuse coverage for uninsured drivers unless you have collision insurance and sufficient medical coverage to pay your expenses after an accident caused by an uninsured driver.
Uninsured motorist (UM) coverage protects the policyholder by paying for injuries or damages that result from a car accident caused by a driver who doesn't have enough insurance. Intrafamilial cumulation, which is the sum of the limits of such coverage acquired by the same person or by two or more family members from the same household. K) Nothing in this section shall prohibit the inclusion of coverage for underinsured motorists in any coverage for uninsured motorists included in an insurance policy. For example, drivers in California, Florida, and Texas can legally refuse coverage for uninsured drivers.
Coverage for underinsured drivers in this state is not and will not be additional coverage to other applicable liability coverage, and will only provide the insured with an amount of protection no greater than what would be available under the insured's uninsured motorist coverage if the person or persons responsible to the insured were not insured at the time of the accident. But if the other driver doesn't have enough coverage, it can take a long time and be difficult to sue him for funds to cover any bill. The policy limits of coverage for underinsured motorists will be reduced by the amounts available for payment under all applicable bodily injury liability bonds and insurance policies that cover persons liable to the insured. The Ohio car accident attorneys at the Law Offices of Charles Boyk frequently handle this type of situation, and it's the reason you want to have extensive coverage for uninsured or underinsured drivers.
Coverage for underinsured drivers covers a gap between your total expenses (medical bills, property damage, etc.). C) If coverage for underinsured motorists is included in an insurance policy, coverage for underinsured motorists will provide protection to those insured under it in the event of bodily injury, illness or illness, including death, suffered by any insured under the policy, provided that the coverage limits available for payment to the insured under all bodily injury liability bonds and insurance policies that cover persons liable to the insured are lower than the coverage limits for underinsured motorists. You won't be able to get more coverage for underinsured or uninsured drivers than the amount of coverage you have for liability insurance. If you were involved in a car accident with an uninsured driver and you purchased uninsured motorist (UIM) coverage, your own insurance policy will cover the damage.