An Overview of Uninsured Motorist Insurance Coverage in Ohio

If you have been involved in a motor vehicle accident and the person at fault has no insurance, you’ll need to speak with an experienced attorney who can help guide you through the process. The state of Ohio requires automobile owners to have insurance. Navigating through the claims process with someone who does not have insurance can be a difficult thing to do. Having an experienced attorney at your disposal can help you through the compensation process.

Some Choose To Ignore the Law

Even though Ohio law requires that every motor vehicle is covered by insurance, some drivers choose to ignore that law. This means that thousands of drivers take to the road every day without coverage. When an uninsured driver has an accident, it leaves the injured person having to bear the financial burden. As the victim, you can sue the uninsured driver, but most uninsured drivers don’t have enough money or assets to pay for the damages sustained in an automobile accident.

If you’re injured by a driver who is uninsured and you have an uninsured motorist insurance policy, you may still have the ability to receive compensation for your losses even if the other driver does not have insurance coverage.

Uninsured Motorist Insurance

The uninsured motorist insurance portion of your automobile insurance policy is there to protect you in the event an uninsured motorist causes an accident and injures you. This coverage will compensate you for the damages you’ve sustained, including property damage, lost wages and medical bills. This policy also covers anyone who was riding in the car with you at the time of the accident.

Filing a Claim

If you have uninsured motorist insurance coverage, you must file this claim with your own insurance company. From there, the claim is handled in the same way liability insurance would be handled. You must prove that the other driver did cause the accident, was uninsured, and you were injured as a result of the accident.

For more information on insurance claims and coverage, including uninsured motorist insurance and other types of insurance required in the state of Ohio, reach out to an experienced attorney. Ohio Accident Attorneys can get you in contact with an experienced attorney in your area that can discuss your legal options. Contact us today for a free case evaluation.

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Ohio Accident Lawyers

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