In Ohio, all drivers are required to carry a minimum amount of auto insurance. Insurance companies also offer uninsured/underinsured motorist coverage, but it is optional. However, it is a very good idea to have it, as it can protect you if you are hurt in an accident with a driver who uninsured or underinsured.
If you don't have this coverage, your options are limited after such an accident. If the other driver was underinsured, you can pursue a claim up to the amount of coverage. But it may fall short of covering the damages you suffered in the crash.
If the other driver was uninsured, you could try to recover damages by filing a lawsuit against that person. But the driver may not have many assets. And even if you win the case, it could be years before you receive any compensation.
We help explore all options for compensation
Our attorneys have dealt with many cases involving uninsured and underinsured drivers. We know the impact a car accident injury can have on you and your family. That's why we will explore every avenue to help you recover the compensation you need and deserve for your injury.
Even if the other driver has some insurance, insurance companies will still try to pay you as little as possible. They may blame you for what happened or question the extent of your injuries. We know the tactics that insurance companies use and we don't put up with them.
Our legal team will investigate your crash to find out what really happened and who was at fault. We review all documentation and seek to preserve all evidence. We interview all witnesses. If needed, we will consult with accident reconstruction specialists and other experts who can help us establish negligence.
We work to build a strong case that establishes the negligence of another led to your injuries. If the driver was underinsured, we will seek the full amount of coverage for compensation, then explore other ways to get you the rest of the money you deserve.
If you've been hurt in an accident with an uninsured or underinsured driver, call us at (866) 439-2238 or contact us online for a free case evaluation. We will go over your options so you can make an informed decision about how to proceed.