What If the Other Driver is Uninsured or Underinsured?
There is a much higher probability that the other driver will not carry enough insurance to pay your damages. In Ohio, the minimum amount of liability insurance drivers are required to carry is $25,000 to cover injuries and medical costs for a single person and $50,000 to cover all people injured in an accident, which may not be enough coverage for your injuries.
Insider Knowledge
In Ohio, your auto insurance company is required to offer you uninsured motorist (UM) and underinsured motorist (UIM) coverage up to the amount of liability insurance you carry. Since UM/UIM insurance is insurance you buy for yourself and your family, you should buy enough to protect your family from hardship if you are injured by an uninsured driver. Please keep in mind that UM and UIM coverage is optional or extra coverage that does not automatically come on a basic auto insurance policy in Ohio – you have to ask your agent to add it on your policy.
When you file an uninsured motorist or underinsured motorist claim, you will file the claim with your own insurance company. The fact that you are dealing with your own insurance company does not mean it will be nicer to you than another driver’s insurance company. To recover the maximum compensation you are due, you should hire an attorney to represent you in negotiations with your insurance company.
Who Will Pay For My Injuries?
Insider Knowledge. Outstanding Results.
I am attorney Kevin Sandel. I represent people injured in all types of motor vehicle accidents. I also represent bicyclists and pedestrians who are struck by cars. If you hire me, you owe me no money upfront to represent you, nor will you get a monthly bill from me. I get paid on a contingency fee basis, which essentially means I don’t get paid unless you get paid. I can even assist you with the vehicle damage portion of your case at no cost.
As a former insurance company claims adjuster and attorney, I have insider knowledge that will lead to outstanding results for you and your case.
At Sandel Law Firm, you will be personally represented by the managing partner of the firm. Your initial consultation is always free, whether that is at my Akron office, your home or another convenient location. During your free, in-person consultation, I will take the time to answer your questions and explain your rights at no cost and with no obligation.