A car accident can be devastating, not only physically but also financially. That is, in addition to the physical trauma, car crash victims have to cope with huge medical expenses and at the same time, lose income owing to absence from work. In most cases, these expenses are recovered from the claim that is filed with the insurance company of the driver who was responsible for the crash. However, what happens if it is discovered that the driver who cause the accident was uninsured or underinsured?
In Ohio, auto insurance companies offer uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage up to the total amount of liability insurance that a driver carries. However, this added protection is optional. Therefore, one way to protect oneself from the challenges of a car crash caused by a UM or UIM is to buy sufficient additional coverage so as to protect the family’s financial interests.
Considering that you bought this additional insurance by paying the additional premium, you may think that a UM or UIM claim will be processed smoothly, especially because you are dealing with your own insurance company. The fact, unfortunately, is that dealing with an insurance company—your own or the other motorist’s—is rarely a smooth task. The negotiations with your own insurance company can be just as tough as the negotiations with the insurance company that carries the policy of another driver.
At Sandel Law Firm, we understand that most motorists in Ohio carry the minimum insurance mandated by law—$25,000 for a single person and $50,000 for all persons injured in an accident. Unfortunately, these amounts are often insufficient to cover the damages that you may have suffered. Therefore, to understand how we can help you and your family in the event of a car accident caused by an uninsured or underinsured driver, please visit our webpage dedicated to our motor vehicle accidents practice area.