UNINSURED MOTORISTS COVERAGE:

 Do I Really Need It?

You're driving your son to soccer practice when you are rear-ended at a stop sign. Dealing with the initial trauma of the accident and injuries and the subsequent disruption of a period of medical recovery and the inconvenience of car repairs is bad enough. What if the injuries are serious? And what if the at-fault driver has no insurance? Where do you turn?

 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?

 Uninsured Motorists covers you if the wrongdoer has no insurance while Underinnsured Motorists covers you in the event that the wrongdoer has some coverage, but not enough. 

UMBI - Uninsured Motorists Bodily Injury Coverage provides bodily injury coverage for you and for the occupants of your vehicle. Most policies already provide this coverage.

UMPD - Uninsured Motorists Property Damage - provides coverage for your vehicle. Vehicles without collision coverage have no protection for damage resulting from an accident with an uninsured driver.

Even though the law in the state of Ohio demands all motorists carry at least liability coverage on their vehicles, many motorists break this law. This is why Uninsured and Underinsured Motorist Coverage is necessary.

 Executive Insurance Group is "with you for life!" Call us for further explanation, answers to more questions you may have, or for quotes. We can be reached Mon-Fri 8 a.m.-5 p.m. at 330.966.0080 locally, or 800.981.0081 toll free, or email: info@executiveinsurance.com