Category: FAQ

In the event that you are injured by an uninsured motorist, and you had Uninsured Motorist Coverage at the time of your car accident, then you are entitled by law to compensation for personal injuries including pain and suffering. Compensation for pain and suffering is based on the nature and extent of the injuries, along with the impact on your hobbies, job and your activities of daily life. Your insurance company may pay you some money for pain and suffering, but it is very difficult to receive what you deserve for your pain and suffering. Why? The claims adjuster is evaluated by his or her supervisor based on how little you are paid. The adjuster receives a positive evaluation if you accept a small sum of money, and the claims adjuster may be criticized if you receive what is fair. It pays to consult with a lawyer because an attorney can advise you soon after the accident whether you will need a lawyer and the attorney will help you avoid common mistakes that injured people make while dealing with the insurance company.

According to the Ohio Department of Insurance, as many as 13.5% of the motorists on the road are not insured. Based on those statistics, you and your family should have uninsured motorist coverage. If you have been injured due to an uninsured motorist, don’t give up, get help.

The short answer is yes, however, there is a caveat. While the law requires that all motorists have car insurance (known as liability insurance), this is not always the case. If a driver is uninsured, you can only sue that individual for damages to you and your vehicle. The problem with this is, not many people are independently wealthy. This means you might not recover anything from the at-fault driver. However, there is a way to recover even if the other party is uninsured and has no money.

The best way to insure yourself against an uninsured driver is to purchase uninsured/underinsured coverage. This coverage will allow you to recover from your own insurance company when the at-fault party does not have insurance to cover your property or bodily injury damages. This coverage is usually as much as your limits are on your policy.

According to recent statistics, 13.5% of all Ohio motorists have no liability insurance putting Ohio 17^th in the nation when it comes to uninsured motorists. Therefore, it is vital that if you don’t have underinsured coverage or uninsured coverage, you call your insurance agent or insurance company and get that coverage added. You never know when an uninsured driver could hit you. If you have been injured due to a car accident, don’t give up, get help.