KNR assists with every aspect of your Ohio car accident claim and ensures your rights are respected.
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Asistencia jurídica para las víctimas de lesiones
When another person is responsible for the crash, then that person is liable for your injuries. However, at-fault drivers rarely payout claims themselves. Instead, their insurance company handles your claim for compensation. Or, you could also be seeking compensation from your own insurance company after a crash.
In either case, you deal with a large company that is highly knowledgeable about Ohio insurance law with a team of lawyers. To even the playing field, work with the Ohio insurance claims lawyers at Kisling, Nestico & Redick.
In Ohio, someone is injured in a motor vehicle crash every 5.2 minutes, according to the Ohio Department of Transportation (ODOT). Serious car accidents can lead to traumatic brain injuries, spinal cord injuries, broken bones, disfigurement, and even death. If you have suffered a serious injury in a motor vehicle accident, you may be experiencing significant physical pain along with anxiety about how you will pay your bills while you are attempting to recover.
When you suffer an injury due to another person’s negligence, you may be able to recover compensation for your losses through a personal injury claim, which is usually filed against the at-fault driver’s car insurance policy.
After you are hurt or lose a loved one in a car crash, you need to know who is responsible for the accident. This often requires obtaining evidence of another driver’s careless or reckless conduct behind the wheel.
Our Ohio insurance claims lawyers are highly experienced in investigating accidents. The insurer will also investigate the crash when you are going through an insurance claim. You should not rely on their findings. They will interpret the facts in a way that supports them, not your claim. You will benefit from your own attorney conducting an independent investigation into the crash and gathering evidence. When liability is disputed, our team works to establish who is at fault for the crash and to protect your right to full compensation.
Our lawyers will gather as much evidence related to the crash as possible:
Through this evidence, we will determine who caused the accident. We will then analyze who is liable for compensating you for your injuries. This may be the at-fault driver. It could also be another party, such as the vehicle owner or the driver’s employer.
When we are confident about who is liable for the crash, we will seek compensation from them and their insurer. If you have questions about how much your claim could be worth, call our Ohio car insurance lawyers at 1-800-HURT-NOW for a free consultation.
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Our statewide practice is designed to make going through an injury claim more convenient and accessible. With 12 Ohio locations, KNR is a call or click away.
*KNR también presta servicio a los condados rurales de Ohio y ofrece consultas a través de Zoom.
This is the mandatory minimum policy required by Ohio law. Liability insurance is usually sufficient to cover the injury victim’s medical bills and repair costs after a car accident.
Pays to repair or replace the policyholder’s car after an accident, regardless of fault. It’s usually required for leased or financed cars.
This protects against damage to the policyholder’s vehicle by something other than an accident, such as theft, vandalism, fire, or storm damage.
Med pay is optional coverage that helps pay medical bills for you and your passengers after a crash, regardless of who caused it. Because it is no-fault, you can use it right away while your injury claim is still being worked out. Keep in mind that some policies allow your insurer to seek reimbursement of med pay funds out of a later settlement, so it is worth reviewing how your coverage interacts with the rest of your claim.
This is supplemental coverage that protects you when the at-fault driver has no insurance or not enough insurance to pay for your damages and medical expenses. After a serious crash, a minimum-limits policy is often far too small to cover the harm, which is when uninsured and underinsured motorist coverage on your own policy becomes critical. These claims are first-party claims against your own insurer, and the company does not always handle them fairly, so it helps to have an Ohio car insurance lawyer review the policy and pursue the full limits available to you.
Ohio law requires every driver to carry minimum liability insurance of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage, a structure commonly written as 25/50/25. This coverage pays for the harm an at-fault driver causes to others, but it does not pay for the driver’s own injuries, which is one reason uninsured and underinsured motorist coverage matters so much after a serious wreck.
Deadlines matter just as much as coverage. In Ohio, the Ohio statute of limitations for injury claims generally gives you two years from the date of the crash to file a personal injury lawsuit, under Ohio Revised Code 2305.10. Insurance policies also set their own, often much shorter, notice and filing requirements. Missing either deadline can end an otherwise strong claim, so it is wise to speak with a lawyer early.
When someone else was responsible for your accident, you are going to pursue compensation from their insurer. This is known as a third-party claim. If you were to pursue compensation from your own insurance company, this would be considered a first-party claim.
Whenever an insurance company is notified of an accident and claim, it must promptly open a new claim and assign an adjuster. The next step is for the insurer to investigate. The insurer will gather evidence to determine who is at fault and liable. This is necessary in determining whether your claim should be approved or denied.
If the insurer believes its policyholder is not responsible for the accident, it will deny your claim. It may also deny your claim if it is outside of the policy coverage. Also, your claim may be wrongly denied, in which case you should speak with our Ohio insurance claims lawyers about insurance bad faith claims.
The insurer will also look closely at whether you have suffered an injury, and if so, the type and extent of that injury. This requires the insurer to review your medical records. To do this, the insurer will probably send you a release. They are hoping you will simply sign this document and send it back to them without talking to a lawyer.
We recommend you do not sign a release. This often gives an insurer access to your entire medical history, which is unnecessary. By working with an experienced car accident lawyer, you can be confident the insurer will receive the medical documentation it needs to value your injuries without invading your privacy.
If your insurance claim is approved, an insurer will offer you a settlement. It is in your best interest not to automatically sign a settlement offer or cash a check. Instead, discuss the value of your claim with an experienced Ohio insurance claims lawyer.
In most cases, a first settlement offer is low. An insurer will try to minimize its costs. You do not have to accept this first offer. Your Ohio insurance claims lawyer can make a demand for fair compensation and then enter into negotiations with the insurer. If negotiations progress, they should lead to an appropriate resolution of your claim.
Through the years, we have seen all types of issues surrounding insurance claims. We have been involved in efficient insurance claims processes that have enabled our clients to receive appropriate compensation in a few months. We have also handled claims that repeatedly ran into problems. We have had to push and fight insurers every step of the way to ensure our clients received a fair settlement.
During our years of handling car accident claims, our Ohio insurance claims lawyers have found that some of the most common issues include:
Insurance adjusters will sometimes do things to make the claims process more difficult. One of these things is asking for duplicate and repetitive documentation regarding the crash and your injuries. By working with an attorney, you have someone to ensure adjusters receive what they need and do not get away with delaying a claim with unnecessary documentation requests.
An insurer may recognize that the policy covers repairing or replacing your car. However, in order to save money, the insurer may argue that your car is worth less than it really is. This valuation is particularly important if you need a check to replace your vehicle for something of comparable value. Our lawyers will fight back against an insurer’s improper conclusions, such as a low-ball vehicle valuation.
An insurance company may agree that you are hurt, and it is responsible for paying you a settlement. However, it may try to claim you are not as hurt as you say. By trying to minimize your injuries and the effect they had on your life, the insurer is trying to place themselves in the position to pay you less. We are here to prove you are seriously injured and to prove the damages you have experienced.
One way insurers will fight to reduce the compensation they owe you is by claiming you contributed to the crash. They may claim you were also negligent. Under Ohio’s comparative negligence law, this would reduce your final compensation. Our Ohio insurance claims lawyers are highly experienced in battling contributory negligence claims. We will seek to prove you were not at fault or to minimize your contribution.
There are many reasons why an insurer can deny a claim. When you seek compensation, the insurer will look for any fact that supports it denying your claim without violating the law. This means you may receive a letter stating your claim has been denied and then providing a reason. You should not treat this like the end of your case. Instead, if you are not working with an attorney yet, you should call Kisling, Nestico & Redick. We will look at your ability to appeal your claim or seek compensation through a lawsuit.
A denial is not the end of the road. First, read the denial letter closely and request the specific reason in writing, because insurers must explain why a claim was rejected. From there you generally have three options. You can appeal the denial directly with the insurer and submit additional evidence, such as medical records, repair estimates, or a crash report. You can file a complaint with the Ohio Department of Insurance, which regulates insurers operating in the state. Or you can pursue a lawsuit, and where your own insurer denied a first-party claim unreasonably, that may include a claim for insurance bad faith claims. Our Ohio car insurance lawyers can review the denial and choose the strongest path forward.
When an insurer provides a settlement offer, they really want you to take it. They do not want you to refuse it and ask for more money. To this end, the adjuster may say this is the best possible offer. Many of our car accident clients are told an initial settlement offer is a final offer. This is rarely true. There is almost always room to negotiate for a better settlement. If you are running into these tactics on an Ohio insurance dispute, our lawyers can step in and push back.
Talk through your options with our Ohio car insurance lawyers. Call KNR at 1-800-HURT-NOW for a free consultation.
Lucha por todo lo que te corresponde
While accident victims can pursue compensation through an insurance claim or personal injury lawsuit, most compensation for motor vehicle accidents comes from insurance companies.
Depending on the circumstances of your accident and the kind of insurance policy you carry, you will either need to file a claim with your insurance company or that of another driver.
Pursuing an insurance claim can be complicated, particularly in situations involving severe injuries or losses. The good news is that you do not have to face the insurance claim process alone. The experienced car accident attorneys at KNR will talk to third parties and negotiate with insurance companies for you. We can also help you understand what your case may be worth before you respond to any offer.
In Ohio, compensation may include:
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No law stops you from reaching an agreement with the insurance company without a lawyer’s help. But going it alone means dealing with a large company with teams of attorneys and considerable resources focused on paying you as little as possible.
Whether you decide to settle your claim with the insurance company or take your case to court, having an attorney dedicated to getting you the best possible outcome and advocating for your interests gives you a better chance at success.
It is important to understand that insurance companies do not have your best interest at heart. The reality is that insurance companies are for-profit businesses, which means that they will look for ways to reduce your claim.
Even your insurance company is interested in closing your claim for the lowest possible amount. If the amount does not sufficiently cover your losses, you could be left paying out of your own pocket. Therefore, it is a good idea to consult with an experienced personal injury attorney before you accept any settlement offer.
Going through an insurance claim can be complicated and difficult. Yet, throughout the experience, you expect an insurer to treat you fairly. This is particularly true when it is your own insurer. Not only is treating you fairly the right thing to do, it is also the law when it comes to insurance claims. Under the law, an insurance company is required to treat you with good faith and fair dealings. If they violate this law, it is known as bad faith.
If your insurer treats you unfairly during a first-party claim, and this results in economic damages or personal liability, then you may be able to sue the insurance company for bad faith. Being treated unfairly may amount to illegal conduct if your insurer:
Ohio law only recognizes bad faith in first-party claims. If you are involved in a third-party claim, you should work with our Ohio insurance claims lawyers as soon as possible. This may help you avoid unfair and unethical insurance practices and improve your chances of receiving an appropriate payout.
Accidentes de tráfico
The defendant ran a stop sign in Portage County and hit our client, causing the client to suffer…
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¿Qué hace que KNR sea especial?
Desde nuestra fundación en 2005, Kisling, Nestico & Redick se ha dedicado a ayudar a las víctimas de lesiones personales a luchar por la indemnización que se merecen cuando un accidente afecta a su estilo de vida. Hemos ayudado a más de 10 000 personas y estamos dispuestos a seguir luchando por los habitantes de Ohio y por cualquier persona que merezca una indemnización por sus reclamaciones por lesiones personales.
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You can usually deal with an insurer yourself in minor accidents that only result in property damage. However, when you are dealing with serious injuries, the stakes are too high to go through the process without legal representation. Enlisting the help of an experienced Ohio personal injury attorney early on will improve your chances of recovering the compensation you deserve.
You should notify the insurer as soon as possible, because policies often require prompt notice. The deadline for a related personal injury lawsuit is separate and longer: Ohio gives you two years from the date of the crash under Ohio Revised Code 2305.10. Missing either deadline can bar your recovery, so it is best to act early and speak with a lawyer about both.
Ohio requires every driver to carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage coverage, often written as 25/50/25. These minimums protect others when you are at fault, but they are frequently too low to cover a serious injury, which is why uninsured and underinsured motorist coverage on your own policy matters.
Not before speaking with a lawyer. Adjusters use recorded statements to find inconsistencies and reasons to reduce or deny your claim, and you are usually not required to give one to the other driver’s insurer. Our team can advise you on giving a statement to the insurer so you do not unintentionally harm your case.
You have options. You can appeal the denial directly with the insurer and submit additional evidence, file a complaint with the Ohio Department of Insurance, or pursue a lawsuit. When your own insurer unreasonably denies a first-party claim, you may also have grounds for an insurance bad faith claim. A lawyer can review the denial letter and recommend the strongest path forward.
Minor property-damage claims can often be handled on your own. But serious injury claims involve large insurers, disputed liability, and lowball offers, and the value at stake is usually far higher. An experienced Ohio car insurance lawyer can investigate the crash, value your losses, and negotiate for full compensation, typically with no fee unless you recover.
If you are fighting a denied or undervalued claim, our Ohio car insurance lawyers are ready to help. Call KNR at 1-800-HURT-NOW for a free consultation.
