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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 who flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage (UM) pays for your injuries and vehicle damage when the at-fault driver has no insurance, carries limits too low to cover your losses, or leaves the scene. It functions as a backup liability policy that treats you as if the other driver had been properly insured.

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Who Needs Uninsured Motorist Coverage Insurance?

Drivers with suspended licenses navigating reinstatement should carry UM coverage during and after their suspension period. If you're required to maintain continuous coverage or file an SR-22 to satisfy Ohio reinstatement conditions, adding UM protects you from uninsured drivers while you're legally vulnerable and unable to pursue claims as easily. Drivers without collision or comprehensive coverage should carry UM property damage—it's your only protection for vehicle damage caused by an uninsured at-fault driver.

If you cannot absorb both losses, buy UM bodily injury and property damage at limits matching your liability coverage.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your coverage stacking election—stacking UM limits across multiple vehicles on one policy raises premiums but multiplies available coverage after a crash.

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