Question

What Happens If I Am Involved In An Accident With An Uninsured Or Underinsured Driver In Ohio?

John P. O'Neil

Answered by:
John P. O'Neil

Located in Mayfield Heights, OH
Elk & Elk Co., Ltd.

John P. O'Neil - Personal Injury - General - Super Lawyers

Answered by: John P. O'Neil

Elk & Elk Co., Ltd.
Mayfield Heights, OH

Fax: 440-442-7944

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Answer

Anyone who has been involved in a car accident knows how difficult the aftermath can be — from a physical, legal and practical perspective.

Dealing with insurance companies can be difficult, especially when special circumstances apply. That is often the case when an individual has been in an accident involving an uninsured or underinsured motorist: When the responsible driver has little or no insurance, who pays for the accident?

In Ohio, drivers are required to carry car insurance — enough to cover any injuries or damages caused by a car accident. The minimum amount of car insurance a driver is required to carry in Ohio is $25,000 per person, or $50,000 liability coverage per accident. However, many drivers choose to purchase more insurance. Many purchase uninsured (UM)/underinsured (UIM) motorist coverage, which covers accidents involving drivers who have no insurance or less than what is required.

What UM/UIM Insurance Covers

UM and UIM insurance pays claims for injuries caused in accidents involving drivers who were uninsured or those who had too little insurance. This applies to the driver and family members and (potentially) passengers who are injured. Since coverage varies from policy to policy, it is important to review your UM/UIM insurance policy to determine who is covered.

Some drivers purchase uninsured motorists property damage coverage (UMPD) that covers property damage (such as damage to a vehicle) in accidents involving an uninsured or underinsured driver.

Hit-And-Run Accidents

Hit-and-run accidents are devastating. When a driver does not take responsibility for an accident by leaving the scene, the victim/s may be left wondering what to do.

When a driver leaves the scene of an accident, and the identity of the driver is unknown, what options do the accident victims have for pursuing compensation?

The victim — whether driving a car, walking or biking — may be covered under his or her own uninsured/underinsured motorist coverage. The first step is to determine what, exactly, is covered by an insurance policy, since policies can vary greatly. If no UM/UIM insurance has been purchased, victims should discuss their options with an attorney.

Dealing With Complex Insurance Issues After An Accident

Dealing with insurance companies in the aftermath of a complex case can be difficult to do alone. After a hit-and-run accident, or after an accident involving an uninsured or underinsured driver, victims may wish to work with a personal injury attorney to pursue maximum compensation and to deal with any complex legal issues that may arise.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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