Uninsured and underinsured motorist coverage may be the most important type of insurance you can buy with your auto policy; but most people don’t really understand it, or even know whether they have it. (Your bill from the company may tell you whether you have it.) It is often included as part of your own insurance policy along with your liability insurance. In Ohio, if you have purchased this coverage and you are hit by someone who carries less insurance, your insurance stands in the place of the other driver
Let’s say that another driver goes left of center, hits you, and causes you to suffer $100,000.00 in combined medical expenses, pain and suffering, and lost wages. If the other driver is uninsured, or carries less than $100,000.00 in liability coverage, then you will not be able to recover your entire damages – unless you have at least $100,000.00 in uninsured/underinsured coverage. (Uninsured and underinsured coverage are almost always sold together. If you have one, you nearly always have the other.) In that case, your insurance will step in and stand in the place of the other driver.
Needless to say, a lot of people think this is a very confusing area. For many years, I have been giving lectures to other lawyers about the law that affects uninsured/underinsured motorist coverage, and how to present and try uninsured and underinsured motorist claims. I have successfully represented many injured people with claims for uninsured and underinsured motorist coverage.