How do you obtain compensation after an accident with an uninsured driver, or a driver who does not have enough coverage to pay for your damages? You may be able to file a claim with your insurance company to obtain compensation from your uninsured/underinsured motorist coverage. However, even though you are dealing with your insurer, you may struggle to obtain the compensation you deserve. This is why you should strongly consider hiring a Cincinnati uninsured motorist lawyer to help with your claim. The insurance disputes attorneys at O'Connor, Acciani & Levy have many years of combined experience obtaining fair compensation for car accident victims. This includes dealing with a variety of car insurance disputes. We offer a free legal consultation and do not charge for representing you unless you are compensated.
UNINSURED MOTORIST COVERAGE IN OHIO
In this state, drivers are not required to purchase uninsured motorist coverage when they buy car insurance. By law, drivers are only required to purchase liability coverage that pays for damages suffered by other drivers, including medical expenses and property damage. However, if you do not purchase uninsured motorist coverage and are involved in an accident with an uninsured driver, you may struggle to obtain the compensation you deserve. Even though Ohio requires drivers to carry insurance, approximately 12.4 percent of drivers in this state hit the road without the required coverage, according to an estimate from the Insurance Research Council. Even if you are involved in an accident with a driver who has insurance, he or she might not have enough coverage to pay for all of your damages. This could easily happen if you suffer serious or long-term injuries because of the crash. Without this coverage, your Cincinnati car insurance attorney may have no recourse for obtaining the compensation you deserve. You could try filing a lawsuit against the driver, but if he or she does not have enough insurance coverage, it is doubtful he or she will have the financial resources to cover your damages.WHAT IS COVERED?
If you have uninsured/underinsured motorist coverage, it may cover medical bills, lost wages, and pain and suffering if you are in an accident with an uninsured or underinsured driver. This type of insurance would also cover damages suffered by any passengers in your vehicle. The policy may also cover family members who were injured in an accident with an uninsured or underinsured driver, even if they were not in your vehicle. Family members are defined as people who are related to you and live in your home. This can also include members related through marriage or adopted children. However, family members with their own car insurance are usually not covered by your policy.HOW MUCH COVERAGE CAN I GET?
You cannot buy more in uninsured motorist coverage than you have in liability coverage. Liability coverage pays compensation to another driver injured in an accident you caused. Ohio requires drivers to purchase the following minimum liability insurance coverage:- $25,000 for bodily injury or death to one person
- $50,000 for bodily injury or death to two or more people
- $25,000 for property damage
