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Ohio Uninsured Motorist Coverage

In Wilmington, Ohio, most people are respectful and law-abiding. This city, with just over 12,000 people, is growing quickly, and that often means there’s an increased risk that someone may not follow the laws. That includes the laws regarding Ohio uninsured motorist coverage. It is a law in the state to maintain this coverage, which works to help you if you are in an accident with someone else that doesn’t have insurance. 

If you are the victim in a case like this, do not wait to contact Kruger & Hodges Attorneys at Law to learn more about your legal rights. We’re here to support you in getting any compensation possible for the losses another person caused you. 

What Happens if The Other Driver Doesn’t Have Insurance Coverage?

Consider what could occur. You’re driving down E. Locust Street or South Street, and someone slams into your vehicle. You get out and ensure they’re okay, but you quickly learn they do not have insurance coverage. In this situation, you may be unable to pursue financial compensation from an insurer that doesn’t exist. However, if you have proper insurance on your vehicle, you may have help.

Ohio uninsured motorist coverage is a type of car insurance policy that you take out with your other insurance coverage. It’s a required coverage with set minimums – though many people should consider increasing these. Your insurance company can cover the losses you sustained in this situation through your uninsured policy. 

However, all insurance companies work hard to reduce the amount they pay out in compensation. That means that, even though this is your insurance company, they may be unwilling to pay out for all of your losses caused by the other driver. This is frustrating as it may leave you with physical losses as well as the inability to drive a car. 

Don’t go through this on your own. Let our attorneys work closely with you to ensure your needs are met. We’ll deal with the insurance adjuster to help you obtain fair compensation. 

What Are Ohio Uninsured Motorist Coverage Laws?

In Ohio, every driver is required to carry uninsured and underinsured motorist coverage. This includes the following rules:

  • $25,000 per person and $50,00 per accident in minimum uninsured motorist bodily injury coverage
  • $25,000 per accident of uninsured motorist property damage coverage
  • $25,000 per person and $50,000 per accident in underinsured motorist bodily injury coverage
  • $25,000 per accident in underinsured motorist property damage coverage 

This is insurance you should have on your vehicle. It protects you from financial loss when other drivers cause damage to your vehicle through no fault of your own, and those individuals do not have insurance coverage. 

These are the bare minimums required under state law. They may not be enough. Since car accidents can be very costly, consider increasing these minimums before you’re in a car accident and need more funds to cover those losses. 

How Can an Attorney Help You Get Compensation from Your Insurance Company?

It may seem simple enough to get compensation from your insurance company to cover the losses incurred when someone else was responsible, but that’s not the case. It’s very common for insurance companies to delay payouts or try to work with you to lower how much they settle the loss for. That’s not going to help you get out from under the medical debt you now have – again, at no fault of your own. 

Our attorneys can help you to get the most out of your Ohio uninsured motorist coverage. To do that, we will help you with:

  • Determining how much you are owed based on the losses involved in the case
  • Create a claim that’s accurate and fully documented to reduce the risk of it being disputed
  • Negotiate with insurance companies as necessary to ensure you get coverage owed to you
  • Protect you and your privacy throughout this case by representing you to other attorneys and insurance agents
  • Guiding you in moving the case to a trial if the insurance company isn’t willing to cover your costs.

This is a big deal. You could suffer medical bills, loss of your vehicle, and other financial ruin without coverage. Let our team help pursue the compensation based on the losses you have. That includes medical costs, physical losses, and even emotional turmoil you’re struggling with because of someone else’s negligence.

Can You Seek Out a Case Against the Responsible Party?

It may be possible to go after the responsible party. That is something your attorney can discuss with you. Often, your insurance company will do everything they can to seek out legal action against the responsible party to recoup any money they pay out of your account to you. In other words, you may not have to do anything – your insurance company may do it for you.

However, in every situation, it is quite important to know your rights. Don’t work with your insurance adjuster alone. They are tasked with keeping claims as low as possible. You need enough to cover your losses. We’ll help you get to that point.

To learn more about all of the legal actions available to you, contact our team. We can set up a free consultation to discuss what occurred in your case. We can then instruct you on the steps you can take. With years of experience and a trusted set of attorneys with proven backgrounds, Kruger & Hodges Attorneys at Law are readily available to support you through this legal process. 

How Kruger & Hodges Attorneys at Law Can Help 

Ohio uninsured motorist coverage is a requirement, but that doesn’t automatically mean insurance companies are ready to write a check after you’re in an accident. Before you settle for less than you’re owed, contact Kruger & Hodges Attorneys at Law to discuss your case. We’ll work aggressively to help you recover the financial compensation owed to you. Set up a free case evaluation with us now. Let us answer all of your questions.

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