Written by attorney David Allan Bressman

Six Benefits of Uninsured and Underinsured Motorist Coverage

In the state of Ohio, uninsured and underinsured motorist coverage can be beneficial in many ways. The minimum auto insurance requirements are bodily injury liability coverage ($12,500 per person/$25,000 all persons in any one accident) and property damage liability coverage ($7,500).

But what happens if someone else was at fault for an accident? This is when motorists might benefit from having additional coverage, such as uninsured and underinsured motorist coverage.

Benefits of Uninsured and Underinsured Motorist Coverage

The first way this coverage can help is when the Marysville accident was serious. Automobile insurance only covers up to the policy limits.

If the other driver was at fault and an injured victim has acquired thousands of dollars in medical expenses, this could result in a lot of money being owed. Let’s say the driver had the minimum of $12,500 for bodily injuries. If the medical bills add up to $25,000, that is a difference of $12,500. Who is going to pay?

It’s even worse if the other driver, for whatever reason, has no insurance, which is another reason this coverage can help.

Not everyone has auto insurance coverage, even though it is required by law. There can be all kinds of reasons -- coverage was denied, the policy lapsed and the person didn’t bother to reinstate it, or due to tough economical times, the driver can’t afford to pay for it

Unless the injured person has uninsured motorist coverage, he or she will be left holding the bag. On the other hand, there may be legal options available. But because the person may not have been able to afford the insurance in the first place, this could be an uphill battle.

A third way that uninsured motorist coverage can help is if someone is injured in a hit-and-run accident. Once a driver takes off, there is no automobile insurance company to contact to ensure expenses are covered. Even if the driver is caught eventually, bills pile up in the meantime.

This coverage will take care of the expenses. Also in the meantime, the victim should be recovering, rather than stressing out over how to pay all these bills. An accident attorney in Ohio can help -- he or she may be able to help the victim track down the liable party.

A fourth way uninsured and underinsured motorist coverage can help is when health insurance -- which some injured victims turn to for coverage -- doesn’t pay for other damages available when another driver was at fault. Examples include lost income and pain and suffering. And with health coverage, there may be significant deductibles or co-pays, along with a wait before bills are even covered.

By having this additional coverage, the injured victim’s lost wages may be covered. This is important when an injury results in a lot of missed time from work.

If it turns out that medical care or treatment will be necessary later on -- such as surgery or rehabilitation -- the time spent recovering with no earnings coming in may be covered. It’s important to consider all potential financial losses of a serious car accident, with which, of course, the average citizen is not familiar. An accident attorney in Marysville, Ohio, can help an injured driver figure out what their projected costs will be.

Finally, this type of coverage is relatively cheap and worth the extra cost when facing significant bills. No one knows when they will suddenly find themselves the victim of an accident, nor can it be predicted how significant the financial burden may be, which is why uninsured and underinsured motorist coverage is available.

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