Insurance is important for all motorists. It's what we rely on when we need to cover enormous hospital bills after an accident. Even though motorists in Ohio are required to carry insurance, some drivers choose to ignore the law. Others simply aren't carrying enough insurance.
When motorists don't carry insurance or carry enough insurance, they're rarely ever hurting themselves — they're hurting the people they strike in an accident. Victims often have to turn to their own insurance company to pick up the slack, which can be a difficult and confusing process without the right kind of help.
If you have been involved in a car accident, it is vital that you understand what coverage you and the other party have, and how that coverage works. Our attorneys at The Attkisson Law Firm, LLC, in Dayton, have handled hundreds of motor vehicle accident cases, including those involving uninsured and underinsured motorists. We will handle the claims process for you so you can focus on recovering from your injuries.
All Ohio motorists are required to carry bodily injury and property damage liability coverage. The minimum limits include:
$25,000 per person injured in a single accident
$50,000 for all people injured in a single accident
Because state law does not require drivers to carry additional coverage, however, many don't get extra coverage simply because it's an added expense they might not be able to afford.
Even though there are good intentions behind Ohio's bodily injury coverage, it's often not enough to cover the injuries victims suffer in a crash. In serious rear-end and head-on collisions, or crashes involving semi-trucks and other vehicles, victims may suffer incredibly serious or devastating injuries that can total hundreds of thousands of dollars in medical expenses.
If an at-fault driver doesn't have an additional policy or worse, has fled the scene of an accident, it's the victim — or the victim's insurance — who is left footing the bill.
When a negligent driver injures you in a car accident, they are typically responsible for the damages. When the driver does not carry enough insurance or has no insurance, the victim may be left dealing with the aftermath. If the victim has underinsured motorist coverage in their insurance plan, this policy can be used to supplement what the at-fault driver's insurance does not cover.
If you do not have this coverage and are in an accident with an underinsured or uninsured driver, the effects can be financially devastating. You will be responsible for any medical care and property damage that has not been covered via an insurance policy.
Our lawyers have more than 40 years of experience negotiating with insurance companies. We will help you understand what your policy covers, and help you determine what compensation you are eligible for.
If you were the victim of a hit-and-run accident or are struggling to pay back hospital bills because the at-fault driver carried only minimal insurance, The Attkisson Law Firm, LLC, in Dayton, Ohio, can help. Contact our office online today or call 937-276-9700 to speak with one of our knowledgeable attorneys. We work on a contingency fee basis, which means we don't get paid unless you do.