When you head out on the roadway, you do so knowing that you should be protected by auto insurance in the event an accident causes injuries or property damage. However, do you know what you would do if you or a loved one are struck by an uninsured or underinsured driver? At Paulozzi LPA, our qualified and experienced team has extensive experience helping clients secure compensation after these incidents. Let our uninsured and underinsured motorist attorneys get to work on your case today.
Unfortunately, car accidents are a common occurrence in and around Toledo. According to the Ohio Highway Safety Office, there were 303,298 total traffic accidents across the state during the latest reporting year. Out of these incidents, we know that there were more than 100,000 total injuries and 1,179 total fatalities reported. Looking at these statistics, it is easy to see why auto insurance is so valuable.
Every state sets minimum auto insurance requirements for drivers. Ohio State law has mandated that every driver must maintain the following minimum coverage amounts to remain legal:
Many states in this country mandate that drivers carry uninsured/underinsured motorist (UM/UIM) coverage, but Ohio does not. However, just because this is not a required coverage does not mean that drivers should not seriously consider purchasing it.
Studies show that approximately 12% to 13% of all Ohio drivers do not carry insurance at all. This can be detrimental in the event you are struck by an uninsured driver. Uninsured motorist coverage is meant to kick in and help cover your expenses in the event this occurs. Injured car accident victims can certainly file a personal injury lawsuit against an uninsured at-fault driver. However, there is a good chance that the negligent driver will not have the assets to cover these expenses.
Underinsured motorist coverage is meant to help drivers cover expenses that exceed the at-fault driver’s insurance policy minimums. While $25,000 may seem like a decent amount of money, this minimum amount will be quickly exhausted if a serious injury occurs. The costs associated with spinal cord injuries, traumatic brain injuries, broken and dislocated bones, amputations, and other severe injuries can quickly rise into the hundreds of thousands of dollars.
If you or somebody you care about has been injured in a car accident that was caused by an uninsured or underinsured driver, seek legal assistance today. At Paulozzi LPA, we are dedicated to helping injured clients recover the compensation they need in these instances. This can include: