Uninsured Motorist Insurance Benefits in Columbus, OH
Ohio law does not require uninsured motorist coverage, but purchasing this policy may be in your best interests. Contact Geswein Insurance Agency
in Powell, Ohio, for an auto insurance quote that includes uninsured motorist coverage.
Why Do I Need Uninsured Motorist Insurance?
Uninsured motorist insurance may help provide an extra layer of protection if you are in a car accident with an uninsured at-fault driver.
Ohio requires drivers to have auto liability insurance, but some motorists remain uninsured. If an uninsured driver causes a car accident, uninsured motorist insurance can help cover damages and injuries the at-fault party cannot.
In the unfortunate event of a hit-and-run accident, uninsured motorist insurance can help provide coverage for medical expenses and, in some policies, vehicle repair costs, even when the other driver is unknown or uninsured.
What Is the Difference Between Uninsured and Underinsured Motorist Coverage?
While uninsured and underinsured motorist coverage may sound similar, they serve different purposes.
Uninsured motorist coverage is designed to protect you if you are in an accident with a driver without auto insurance. The policy can help cover medical expenses and property damage for you and your passengers, up the policy’s limits.
Underinsured motorist coverage may help cover your accident-related costs when the at-fault driver has insurance, but their policy limits are too low to cover your total expenses from the accident. Underinsured motorist coverage is designed to help pay the difference between the at-fault driver’s coverage and your claim up to your policy’s limit.
Contact Geswein Insurance Agency
to get appropriate uninsured motorist protection added to your auto insurance.