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  • Uninsured Motorist Claims on the Rise

    Posted on March 4th, 2010 Karen No comments

    We have received notice from our insurance companies and an Ohio attourney specialing in motorcycle accident cases that accidents involving uninsured or underinsured drivers are on the rise.  It seems the current poor economic and unemployment climate is causing many drivers to cut coverage or cancel insurance all together in efforts to save money.   This means the rest of us need to be sure we have adequate Uninsured and Underinsured Motorist Bodily Injury protection on our insurance.

     If you are injured by an uninsured driver, Uninsured Motorist Bodily Injury coverage will pay for your medical costs – up to the limits you have chosen on your insurance policy.    Even if you have health insurance, your health insurer may decline payment when another person is resonsible for causing your injuries, and you  may have thousands of dollars of out of pocket expenses like deductibles,  co-pays, prescriptions, and lost wages. 

    Underinsured Motorist Bodily Injury Coverage is also available.  This benefit kicks in when a driver who IS insured hits you – but their insurance coverage is not adequate to cover all of your expenses.  For example, if a driver with the state minimum liability level coverage of $12,500 hits you, you spend 3 days in intensive care, need surgery, therapy and more – you are very likely to incur more than $12,500 in medical costs.  Your Underinsured Motorist Bodily Injury benefit can cover the shortfall left after their insurance coverage is exhausted.

    Many drivers are surprised how little is costs to beef up their insurance protection.  Diehl Insurance is available to review your insurance coverage to be sure you have this important coverage.  Call the office today at 513 965-0003 or email us at insurancediehl@cinci.rr.com.

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