Do I have to carry Uninsured/Under-insured Motorist Coverage in Ohio?
In Ohio, Uninsured (UM) and Under-insured (UIM) motorist coverage is NOT required. It is optional. However, there are some key points to consider:
It is also estimated that one in every six drivers who have auto insurance liability coverage only carry the required state minimum coverage.
SUMMARY: Although Ohio law doesn't require UM/UIM coverage, you should think twice before declining the coverage. It provides a lot of protection for little premium.
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