Uninsured/Underinsured Accidents Archives | Cincinnati Car Accident Law Blog
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Uninsured/Underinsured Accidents Archives

Guiding our clients to underinsured benefits

A previous post on this blog talked about Ohio's minimum insurance requirements that residents of Cincinnati must maintain if they want to drive on the area's roads legally. These limits are not that high, and thus many people on the roads in Ohio may well be legal yet still not have enough insurance to pay compensation to injured people should they cause an accident.

Ohio's minimum insurance requirements

Most people who drive in Cincinnati recognize that they are supposed to have automobile insurance that will pay compensation to people they injure because of an accident that is their fault. While too many people ignore this rule, the majority of Ohioans are responsible enough to go out and purchase some insurance that keeps them legal on the road.

How many motorists on Ohio's roads are uninsured?

A previous post on this blog discussed how Cincinnati residents who get hurt in car accidents may have to turn to their own uninsured motorist coverage in order to get compensation for their injuries. Still, some Ohioans may honestly have a hard time believing that uninsured coverage is even important since, after all, the law requires people who driver on Ohio's road to have insurance which covers them if they cause an accident by paying compensation to those whom they injured.

Helping victims who require access to additional insurance

As previous posts on this blog have discussed, sometimes a Cincinnati resident may struggle to get compensation for a negligent driver following a serious accident even if it is quite clear that the negligent driver was indeed at fault and the victim has all of his or her injuries well-documented.

How does the term 'uninsured' differ from 'underinsured' in Ohio?

Whether it is a relatively minor fender-bender or a more serious collision, getting into a car accident at best can merely ruin your day and at worst cause serious injuries necessitating a great deal of medical care and rehabilitation. No matter what, when an accident strikes, most people in Ohio are thankful they and the other party have car insurance to help foot the bill. However, sometimes a person gets into an accident with someone who is "uninsured" or "underinsured." What do these two terms mean?

Do you know the difference between uninsured and underinsured?

As our readers may be aware, if someone suffers catastrophic injuries in a car accident or passes away due to the injuries suffered in an accident, the victims or the family members may be able to receive compensation from the negligent driver who caused the serious or fatal car accident. This is done by filing a personal injury lawsuit or wrongful death lawsuit against the other driver. But, what happens if the other driver, the driver who caused the accident, is not able to pay compensation because they are not insured or they are underinsured?

Steps to take after an accident with an uninsured motorist

Being involved in any type of car accident can be an extremely stressful experience. However, when the other motorist involved is not properly insured, the aftermath of the accident can take on new layers of complication and stress. There are some simple steps one can take after an accident in order to make the coming process as smooth as possible, however.

Can I pursue compensation from an underinsured motorist?

Getting into a car crash is traumatic enough, but when an Ohio resident is injured in the accident, often with serious injuries, not only does the injured party have to deal with missing work and wages, but also with daunting medical bills. On top of it, if the person who caused the accident does not have adequate insurance-insurance that is enough to cover the cost of the victim's injuries-then there is an additional burden of trying to figure out how to cover the rest of the medical bills.

13.5 percent of Ohio drivers do not have car insurance

When Ohio residents are involved in a car accident that is caused by someone else's negligence, and are injured in the process, the first thing they and their loved ones do is consider themselves lucky that they survived the crash. However, it is entirely possible that their car was totaled in the crash. As time passes, considerations about the car and the damage done to it come to mind, and not only are victims thinking about their medical bills, but also their mechanic bills. They may think that the other driver's insurance will cover the bill, but what if they are injured by a driver who does not have car insurance, or their coverage is not enough?

Can I get compensation from an uninsured rental car driver?

When Ohio residents begin their vacations to an out of state destination, they may find themselves at the rental car counter, filling out forms and answering questions related to the type of car and insurance coverage they would like for their rental car. People are asked whether they want basic coverage or additional as well and a study has shown that 42 percent of people renting a car were either thoroughly confused or had only a rough idea about insurance.

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Meet Our Attorneys

At Gregory S. Young Co., LPA, our lawyers have one goal: to help you rebuild your life after an accident. We are committed to getting you and your family the resources your need to treat your injuries, pay your bills and move forward to a brighter future.

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Gregory S. Young Craig Michael Belliston Christopher D. Byers Michelle L. Mendelsberg Teran T. Tod Mollaun J. Clark Norris Douglas Kilgore Dalton Brian M. Cable Alexis Toledo Andrew Trice Michele L. Young
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