If you or somebody you care about gets injured in a car accident, you should be able to count on insurance coverage for your injury and property damage expenses. However, if you get struck by an uninsured or underinsured motorist, securing compensation can become difficult. At Paulozzi LPA, our uninsured and underinsured motorist attorneys are ready to get to work on your case. We will investigate every aspect of what happened and explore every route possible to secure the compensation you need.
When we turn to data from the Ohio Highway Safety Office, we can see that there were 303,298 total car accidents reported during the latest year across the state. Out of these incidents, there were 108,802 total injuries and 1,179 total fatalities reported. Unfortunately, accidents are not uncommon. That is why having car insurance is so vital.
Every state is responsible for setting minimum insurance requirements for drivers. In Ohio, drivers must maintain the following minimum insurance coverage amounts to remain legal on the roadway:
You will notice that Ohio does not require drivers to carry uninsured or underinsured motorist coverage as some states do. However, while this coverage is not legally required, it is highly recommended that drivers consider purchasing it.
Uninsured motorist coverage is meant to protect drivers in the event they are struck by an uninsured driver. Studies show that approximately 12 percent of all drivers in Ohio do not carry insurance. Having uninsured motorist coverage will ensure that your injury expenses are covered in the event the at-fault driver does not have insurance or if you are injured by a hit-and-run driver. While filing a personal injury lawsuit against an at-fault driver is an option in these instances, there is no guarantee that the negligent party will have the assets to cover your expenses.
Underinsured motorist coverage is meant to protect drivers when the insurance policy limits of the at-fault driver are exhausted. While $25,000 may be enough to cover some injuries, this amount is certainly not enough to cover expenses that arise from significant injuries such as spinal cord injuries, traumatic brain injuries, amputations, broken and dislocated bones, and more.
If you or someone you care about has been injured in an accident with an uninsured or underinsured motorist, you need to know how you will get compensation. At Paulozzi LPA, we are dedicated to helping injured clients through this difficult period. Our goal is to secure the following on your behalf: