There are roughly 210 million licensed drivers in the United States, and it is estimated that nearly 30 million of them are driving without insurance. This number reflects a troubling fact that nearly 1 in 7 drivers on American roads are not insured. So what do you do if you’ve been injured by one of these 30 million drivers? The answer is often what is known as an uninsured/underinsured insurance claim.

Uninsured motorist coverage is a protection that helps pay for your expenses if you’re hit by an uninsured driver. Typically, when you’re in an accident and the other driver is at fault, his or her auto liability coverage would help pay for your medical bills or repairs to your car. But if the at-fault driver doesn’t have car insurance, you may have to pay out of your own pocket for those expenses. That’s where uninsured motorist coverage may help.

When you take out a car insurance policy in Ohio, you have the option of adding uninsured/underinsured coverage. At Sawan & Sawan, we recommend all drivers in Ohio purchase this, and $100,00/$300,000 is a wise starting amount. Currently, 21 states statutorily mandate uninsured coverage on policies. Up until 2001, Ohio was among the states that required insurers to ask clients if they would like such coverage, and get a waiver in writing if not.

However, numerous pro-Defendant legislative shifts in Ohio after 2001 has made it so insurers have no obligation to ask clients about such coverage. To make matters worse, Drivers in Ohio are only required to have $25,000 in minimum coverage. With the average car accident costing over $65,000, often times we must look to an injured client’s own policy to recover.