Toledo Uninsured Motorist Accident Lawyer

Experienced Uninsured Motorist Accident Attorney in Toledo, OH

Every driver in Ohio is required to have auto insurance that meets minimum coverage requirements. When an accident occurs, the at-fault driver’s policy can pay for the damages they caused to others. Unfortunately, Ohio has a very high number of uninsured drivers, and if one of these drivers caused an accident with you, you will need to consult a Toledo uninsured motorist accident lawyer to discuss your recovery options right away.

Helping Victims of Uninsured Motorist Accidents Recover in Toledo, OH 

Gervelis Law Firm can provide comprehensive legal representation in the aftermath of an accident caused by an uninsured driver in Toledo. Founding attorney Mark Gervelis is a Board Certified Trial Lawyer and can provide unmatched representation through every stage of our case. Our firm has decades of experience ready to be leveraged on your behalf as you seek accountability and compensation for the damages you suffered in your recent accident. 

The Ohio State Highway Patrol reported 11,350 crashes in Lucas County in 2025, and most accidents involving two or more drivers result from negligence. Proving fault for your recent accident in Toledo is just the first challenge you face in your efforts to recover your losses. You will also need to prove the full extent of the damages the at-fault driver caused, and you may not be able to count on their auto insurance to cover your losses. 

When you hire an uninsured motorist accident lawyer at the Gervelis Law Firm to represent you, we will listen to your story and then review all available evidence to help you prove fault for the accident. When the at-fault driver does not have auto insurance, we can review your own policy to see if it applies to your situation or help you claim compensation directly from the at-fault driver in a personal injury case. 

Understanding Auto Insurance Requirements in Ohio

Ohio law requires every driver in the state to have an auto insurance policy that includes: 

• $25,000 or more in bodily injury coverage for a single person.
• $50,000 or more in bodily injury coverage for multiple injuries in a single accident. 
• $25,000 or more in property damage coverage to pay for vehicle repairs. 

These limits may be enough to cover the damages after a minor accident, but some car accidents in Toledo result in devastating injuries. For example, highway accidents on I-75 or I-280 typically occur at higher speeds, dramatically increasing the risk of catastrophic or fatal injuries. The at-fault driver in such a case may only have minimum coverage, or they could have no insurance at all. 

According to the Insurance Information Institute, as of 2023, 17.1% of Ohio drivers did not have auto insurance. This placed Ohio in the top ten states with the highest percentages of uninsured drivers, and it means you face a nearly one in five chance that the driver who caused your accident is uninsured. 

Drivers who purchase insurance in Ohio have the option to buy additional coverage beyond the state’s minimum coverage requirements. While not strictly required, drivers in Ohio are strongly advised to purchase uninsured/underinsured motorist coverage in addition to the minimum coverage amounts required for bodily injury liability coverage and property damage liability coverage.

If you have uninsured/underinsured motorist coverage on your policy, you can file a claim with your own insurance company after a hit-and-run accident or after an accident caused by an uninsured driver. Your uninsured/underinsured motorist coverage will typically equal the liability coverage limits you have purchased, but you should not assume that filing your insurance claim will be easy. 

Most insurance companies will try to settle claims for as little as possible. If you must file a claim with your own insurance company, then this company that you have paid and trusted to help you after an accident will be one attempting to devalue or deny your claim. They will try to use your own words against you if possible, and some insurers flatly deny legitimate claims, hoping injured claimants will not know how to fight back. 

It is crucial to hire an uninsured motorist accident lawyer to help you file your insurance claim and to verify that the insurance company treats you fairly. Even if you are dealing with your own insurance carrier, you should never expect any insurance company to be on your side. Your Toledo uninsured motorist accident attorney at Gervelis Law Firm can represent you throughout all of your interactions with any insurance carrier in Ohio.

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Hire an Uninsured Motorist Accident Lawyer in Toledo Today

The aftermath of any car accident can be stressful and traumatic, especially if you or a loved one suffered severe injuries. Whether you remember exactly how the accident happened or you have no memory of the incident due to your injuries, you need legal counsel you can trust to help you prove liability and recover appropriate compensation for your damages in a timely manner. 

Gervelis Law Firm can review available evidence to assist you with proving fault for the accident. If the at-fault driver does not have insurance, or if their policy cannot fully cover your damages, then we can review your own insurance coverage to determine whether your policy can come into play and compensate you. In some of these cases, injured drivers must claim compensation directly from those responsible for injuring them. 

Your Toledo uninsured motorist accident lawyer at Gervelis Law Firm can accurately determine your most viable recovery options after your accident. You can rely on our team to negotiate with insurance companies on your behalf and secure fair settlements. If you must file a personal injury case to recover your damages, you can trust us to negotiate a settlement with the defendant or represent you in litigation if necessary. 

It costs nothing upfront to hire our firm to represent you. We take accident claims in Toledo on a contingency fee basis, so we only charge a fee if we successfully recover compensation for your damages, and the fee will be a percentage of the total recovered. It also costs you nothing to talk to us about your legal options, so contact us today to schedule your free, no-obligation consultation with an experienced Toledo uninsured motorist accident lawyer.