If you’ve been injured in a car accident, unfortunately, it’s entirely possible that the negligent party does not have enough insurance to compensate you for the damages and injuries you’ve sustained. In Ohio, the law requires a person to only carry $25,000 of liability coverage. With emergency room visits easily going into 10, 15, $20,000 you can see how it’s possible that that $25,000 is not going to be enough compensation for the damages and injuries you’ve sustained. Uninsured or underinsured coverage is insurance coverage on the policy of insurance you have with your car insurance. It’s a specific line item on your policy. It’s not mandatory so you only have it if you’ve paid a little bit of a premium to obtain that. Premiums, incidentally, are very cheap and I recommend people get uninsured/underinsured coverage. And that coverage will assist you and compensate you in the circumstances where the responsible party does not have enough coverage to compensate you for the injuries you’ve sustained.