I Was Hit By an Uninsured Driver, What Can I Do?
Have You Been Injured By an Uninsured/Underinsured Motorist in Ohio?
When you have been involved in a car accident with an uninsured motorist, you don’t want to pay for the repairs to your vehicle and medical bills, especially when you’re not at fault. Even though Ohio law requires motorists to purchase automobile liability insurance, nearly one in five drivers are still driving with no coverage. Underinsured motorists only pay for the minimum plan, which fails to provide full coverage when an accident occurs.
Our firm recognizes how frustrating it can be when you’re faced with such a difficult, financial situation. Not only will you have to deal with the party at fault, but perhaps the insurance company may try to reduce, delay, or even deny your compensation due to a technicality. Our Toledo auto accident attorneys are prepared to protect your rights on the road and in the courtroom.
Uninsured Motorist Insurance Coverage Optional
Ohio law requires that drivers carry car insurance which covers both bodily injuries and property damage in accidents where the driver is at fault. This is known as “liability” insurance. When a driver is liable for damages, their insurance will cover the costs related to the collision for those who were not at-fault.
Ohio requires that every driver carries at least the following amounts of insurance:
- $25,000 for bodily injury liability coverage per person injured in a single accident
- $50,000 for bodily injury liability coverage for all individuals injured in a single accident
- $25,000 for property damage liability for a single accident
Uninsured and underinsured motorist coverage (UIM) is an effective way to safeguard yourself against uninsured and underinsured motorists. While UIM coverage is optional in Ohio can protect you from paying medical bills out of pocket if you suffer injuries in a collision caused by someone who doesn’t have liability insurance coverage or who does not have enough to cover your damages.
You may file a claim with your own insurance company in the event of an accident if you have UIM coverage. Although your insurance company is working for you, they are committed to looking out for their own best interests. They will do anything it takes to reduce your final settlement, or even deny your claim altogether. Having an experienced lawyer on your side can help you obtain the most favorable settlement possible.
Seek Legal Representation from Our Toledo Auto Accident Attorney
At Williams DeClark Tuschman Co., L.P.A., we have recovered millions of dollars on behalf of our clients over the course of over 50 years. We urge the purchase of uninsured motorist coverage, so you won’t be obligated to pay for the damages and injuries caused by someone else. In order to recover the full amount of money and handle all of the legal proceedings, our firm will provide the knowledge and experience to make sure you and your family receive the appropriate juridical guidance.