Posted by: Kisling, Nestico & Redick, LLC
Everyone in Ohio is required to be able to cover at least a minimum amount of damage in a car accident through liability insurance. Unfortunately, not everyone follows this law. In fact, about one in eight drivers in Ohio has no car accident insurance whatsoever, not even the minimum liability insurance legally mandated. Even more only have the minimum coverage required by law, which only covers $25,000 in injuries sustained during the crash and $25,000 in damages. If you are in a serious crash, this is unlikely to be enough, as some injuries and damages can lead to hundreds of thousands of dollars in bills.
Luckily, there is coverage to help you in these situations. Uninsured and underinsured motorist insurance is a common type of car insurance that you can elect to pay, and it will cover the additional costs of the accident beyond what the at-fault driver should have paid.
What If I Don’t Have Uninsured Motorist Coverage?
Of course, not everyone has underinsured and uninsured motorist coverage. What happens then? If you’ve been in an accident with an uninsured motorist, not all hope is lost. You may still be able to recover some of the damages you are owed through a lawsuit. Ohio follows traditional “at fault” laws in terms of accidents. That means that the driver who caused the accident is responsible for paying the damages incurred during the accident. You can pursue a personal injury claim through the courts to get that money.
Personal injury cases with an uninsured or underinsured driver can be tricky. After all, usually a person without car insurance often doesn’t have much money or assets to pay the claim. Still, a skilled personal injury lawyer may be able to find some hidden assets to leverage in order to force them to pay what they owe. The court may also set up a payment plan to reduce the debt over time. The person who recklessly caused an accident and didn’t have insurance can be made to pay in many cases one way or another.
If you have been in an accident caused by an underinsured or uninsured driver in Ohio, you are not out of options, no matter how much — or how little — underinsured motorist or uninsured motorist coverage you have paid for. With the help of an experienced Ohio personal injury lawyer, you can recover the settlement you need to recover and move on. Call the Ohio personal injury attorneys at KNR today at 1-800-HURT-NOW to find out how we may be able to help you get back on your feet with the compensation you deserve.