Coverage limits on an umbrella insurance policy typically start at $1 million, and can go up to $10 million. When purchasing this coverage, it is important to get both a liability umbrella and an uninsured/underinsured umbrella. The liability umbrella will protect your assets, but it is the UIM umbrella that will protect your family from the bad drivers on the roadways.
What is UIM Coverage?
If you are involved in an accident with an uninsured motorist, and you are not at fault, it is up to you and your insurance company to cover the costs. If you don’t have UIM coverage, you are at risk for substantial financial loss. Your damages including property damage, medical bills, lost wages, physical pain and mental suffering will not be covered by your insurance company.
To understand how much insurance you should have, it is important to know the types of coverage available in a typical Ohio automobile insurance policy. Here is a quick summary:
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Insurance coverage is a major point to discuss with any childcare provider, whether licensed or not.
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