Just a quick FYI – Ohio passed legislation a few years ago which allows insurance companies to sell you car insurance without specifically asking you if you want coverage for uninsured/underinsured motor vehicle protection. This was a significant and detrimental change in the law.
If you do not ask for this coverage, you will not get it. Most people driving either do not have auto insurance or get state minimum coverage of $12,500. To make sure you are protected if you get slammed by someone who doesn’t have enough insurance to cover your injuries, you need the protection of uninsured/underinsured motor vehicle coverage.
Discuss this and your needs with your insurance agent, but make sure you know what you have purchased. Also, find out how little the premium is for this important feature of your policy.
Remember, liability insurance does not cover you if you are hit by an at-fault uninsured or underinsured driver.