Uninsured Motorist Coverage — Ohio
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no insurance or their liability limits are too low to cover your damages. It pays your medical expenses, lost wages, pain and suffering, and vehicle repair costs up to your policy limits. Ohio law requires every carrier to offer it alongside your liability coverage, but you can waive it by signing a rejection form. If you're reinstating your license after a suspension, this coverage becomes critical because you're statistically more likely to be in an accident during the first year back on the road, and one-in-eight Ohio drivers carries no insurance.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended drivers reinstating their Ohio license should carry Uninsured Motorist Coverage at limits equal to or higher than their liability coverage. If you're required to file an SR-22, you cannot afford a coverage gap—one accident with an uninsured driver could generate medical debt that triggers wage garnishment, and your SR-22 filing period resets if you let coverage lapse. Non-owner SR-22 policies include UM coverage automatically in most cases, which protects you when borrowing or renting a vehicle.
Calculate your out-of-pocket risk if an uninsured driver hits you tomorrow. If you're reinstating after suspension, assume the worst-case scenario—your first year back on the road statistically carries the highest accident risk, and one uninsured driver claim during your SR-22 period could cost you more than ten years of UM premiums.
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