Automobile and other vehicle accidents occur every day. From minor fender benders to serious or fatal accidents, mistakes are made and injury and damage occur. According to the Ohio State Highway Patrol, in 2019, our state alone saw almost 70,000 traffic crashes, up by nearly 10,000 from ten years ago.
Our auto accident law firm provides legal service to clients in the aftermath of a car accident. If you are seriously injured, medical expenses add up and insurance claims can become stalled or delayed by an insurance company. Understanding the nature of insurance claims is important.
According to the Insurance Research Council, approximately one in seven drivers in the United States is uninsured. Insufficient insurance coverage takes two forms:
- Uninsured motorists. As the statistics attest, a large number of Americans simply drive without insurance. Due to poor driving records or license suspension for driving impaired, they judge the cost of insurance coverage to be unaffordable. Poor driving records reflect driving ability and the probability that uninsured motorists will more likely have accidents. Regardless, Ohio law requires all drivers be financially responsible for damage they do to the lives and property of others.
- Underinsured motorists. Many drivers carry automobile insurance as required by law, but do not carry enough coverage to pay for the cost of injury or damage in the event of a serious or fatal traffic accident
Any car accident you’re involved in is disorienting and confusing, but what about when you’re hit by an uninsured motorist? Will you be eligible for compensation for injuries and damage? Will your own insurance rates go up as a result of the accident? How do I best proceed following this accident?
When involved in an accident with an uninsured driver, there are five steps to ensure you are treated and compensated fairly.
- File a police report
- Do not accept liability, even partial liability, for the accident
- Pursue a medical evaluation and care
- Get in touch with all of your insurance companies
- Work with trusted and experienced car accident attorneys such as CTBC
Ohio insurance laws are complex, understanding who can be held accountable and how to go about getting compensated for your injuries when dealing with an uninsured or underinsured driver can be a challenge.
Do not settle for anything less than you’re entitled to without contacting us first to get the information you need to make and informed choice about what is best for you and your family.
If you are involved in an accident with an underinsured or uninsured motorist, contact our car wreck law office for reputable legal help resolving your insurance claim. We investigate options for recovering compensation on your behalf, including coverage offered under your own insurance policy.
Accidents happen to people with and without insurance. If you are involved in an accident, we offer personal, skilled legal service. Call us. The consultation is free.