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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Coming Soon...Buy AUTO insurance instantly online! |
Uninsured Motorist Coverage: Do you really need it?
What is UM Coverage? The Ohio Insurance Institute defines it as coverage that "pays the policyholder and passengers in his/her car for losses sustained by reason of bodily injury ... caused by the owner or operator of an uninsured automobile or a hit and run driver."
What is the difference between Uninsured and Underinsured Motorists Coverage? Underinsured Motorists Coverage covers you and passengers in your car for "losses unpaid because sufficient bodily injury liability limits are not available from the policy of an at-fault driver." In other words, Uninsured Motorists covers you if the wrongdoer has no insurance while Underinsured Motorists covers you in the event that the wrongdoer has some coverage but not enough.
Many people wonder if UM is really necessary. After all, isn't liability insurance mandatory? How can there be any uninsured drivers out there? The problem is not everyone obeys the law. There are upwards of 11 million automobiles registered in the State of Ohio. If even 5% of them are uninsured, that's a frighteningly high number!
> Click here for more info on Uninsured Motorist Coverage.
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Unsure of how much coverage you should have? Click here>
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Summit Insurance Agency 5170 Darrow Rd. Copyright © 2006 - Summit Insurance Agency |
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