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Uninsured Motorist Coverage — Ohio

Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or insufficient limits to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when another driver causes a crash but lacks insurance or carries limits too low to pay your full damages. UM pays when the at-fault driver has zero coverage. UIM pays when their liability limit falls short of your medical bills, lost wages, and vehicle repair costs. Both coverages step in only after the other driver's liability insurance—if any—has been exhausted, and they pay up to your selected UM/UIM limits.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry UM/UIM coverage if you cannot afford to pay your own medical bills and vehicle repairs after a crash caused by an uninsured driver. It's especially critical if you carry liability-only insurance with no collision or comprehensive coverage, because UM is often your only path to recovering vehicle damage costs when the at-fault driver has no insurance. Drivers in counties with high uninsured motorist rates—over 10 percent—face a one-in-ten chance the other driver won't have coverage.

Compare your UM/UIM premium to your health insurance deductible and collision deductible.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

  • Whether you add UM property damage coverage, which pays for vehicle repairs when the at-fault driver is uninsured—some carriers bundle this automatically, others charge separately.
  • Your county's uninsured driver rate—counties with higher percentages of uninsured motorists see slightly higher UM premiums due to increased claim frequency.
  • Your own driving record and claims history—carriers price UM coverage based on your likelihood of filing any claim, not just UM-specific claims.
  • Whether you stack UM coverage across multiple vehicles on your policy, which multiplies your per-vehicle limit by the number of insured cars but raises the premium accordingly.

Related Coverage Types

A man in a dark long-sleeved henley sits at a wooden desk holding a printed document, with an open laptop, notebook, papers and a desk lamp in front of him and a window showing dusk sky and trees behind.Non-Owner Car Insurance→A woman in a grey cardigan and black top sits in a vehicle's driver seat, holding a phone to her left ear and looking downward, with blurred trees visible through the windows.Liability Insurance→An open black mailbox with a red flag on a weathered wooden post beside a paved driveway, with a dark sedan parked in the blurred background at dusk.Minimum Coverage Car Insurance→An open black mailbox on a wooden post with a raised red flag holds a large brown envelope, with a silver car parked in a driveway and a house blurred in the background at dusk.Personal Injury Protection→
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