Do I have to carry Uninsured/Underinsured Motorist Coverage in Ohio?

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:

• Unlike some states, UM & UIM are both combined together in Ohio. If you have one, you have the other. UM/UIM does, however, separate into two parts: Bodily injury and Property damage. You can choose either one without the other.

 

• Bodily injury coverage is usually less than $10 per month. Property damage coverage is usually less than $2 per month. These are important parts of the policy that you don't want to skimp on!

It is estimated that one in every six drivers are driving illegally without auto insurance liability coverage.
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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