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Does your Ohio Car Insurance Policy Include A Rider?

What is a Rider you ask? An auto insurance rider is an endorsement or change that is added to your insurance policy that adjusts coverage to better meet your needs.

The Most Important Car Insurance Coverage

Probably the most important type or rider coverage is uninsured/underinsured insurance. Uninsured / Underinsured coverage means that it pertains to drivers who do not have minimum coverage or do not have auto insurance at all. Uninsured/underinsured motorist coverage protects you and your family in case you are involved in an accident with a driver who is inadequately insured or not insured at all, but only up to specific limits. The Underinsured / Uninsured Coverage acts to increase the limits of the at fault driver’s. These types of riders could also help you if you are in an accident in a state that has a “no fault” accident laws such as Michigan. Underinsured / Uninsured Coverage is actually the least expensive rider you can add to your policy and is by far the most important when it comes to fully protecting yourself and your family.

What other riders are available to add to my insurance policy?

Other additional riders that could be available to you based on your insurance provider are roadside assistance which allows you to call your insurance company if your car breaks down and they will tow your car to a local repair shop to be assessed. Rental reimbursement will pay for all or some of your rental bill depending on the rider you choose, if your car is in an accident.

Why should I add a Michigan rider to my policy?

If you are an Ohio resident who travels to Michigan more than 30 days a year for a job, family, or recreational reasons, our car accident attorneys recommend asking your agent whether your car insurance policy will cover you in full for Michigan no-fault benefits if involved in a Michigan car accident. Explain your situation to your car insurance agent and they will be able to guide you in making the best choice regarding your policy coverage. If your car insurance agent is aware that you travel to Michigan on a regular basis and does not recommend providing coverage, you may later suffer financial consequences for not having this coverage, so know your options. If you were involved in a Michigan accident and are denied coverage, you could possibly take legal action against your car insurance agent.

If you have been involved in a car accident, contacting a personal injury attorney sooner than later will make the legal process much easier.  Attorney Charles V. Contrada will explain your legal options, guide you through the legal process and assist you in dealing with your insurance company.

To speak to attorney Charlie Contrada about a car accident in Michigan as an Ohio-insured driver, call 419.841.4400. Charlie has helped thousands of individuals with car accident claims and will explain the legal options that are available to you. Call Contrada & Associates for comprehensive legal guidance that will help you to receive the most favorable outcome.

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Attorney Charlie Contrada has been practicing law since 1979, focusing his career on personal injury, car accident, and mesothelioma cases. Over the years, Charlie has helped thousands of clients throughout Northwest Ohio and Southeast Michigan to receive the settlements that they deserve.