Skilled Uninsured or Underinsured Motorist Accident Attorneys in Columbus, Ohio

Our Columbus auto accident lawyers at Oliver Law Office know it is illegal to drive in the state of Ohio without liability insurance, which is coverage that pays the costs when a driver gets in a wreck and causes injury or property damage to others.

Unfortunately, not everyone follows the law. The Insurance Information Institute estimates that 13% of all Ohio drivers operate vehicles without insurance.

The risks of getting into an accident with an uninsured driver are significant, so what do you do if the driver who hits you is uninsured? Are you forced to cover the costs yourself, including medical bills and property damage? Not necessarily. If you carry uninsured motorist coverage, Oliver Law Office can help you get compensation from your insurance policy.

Our law firm founder and managing attorney, Jami S. Oliver, has been voted 2024 Lawyer of the Year in Columbus, Ohio, for Product Liability and named to the Best Lawyers 2024 list in multiple practice areas. Allow our skilled team, led by one of Ohio’s best, to review your uninsured motorist claim during a free consultation today so you can start making informed decisions about your case and future.


Uninsured or Underinsured Motorist

What we do differently at Oliver Law Office is ensure our clients know how important they are to us. You are not simply another case. You are not a number. You have gone through a physically and emotionally traumatic experience, and you deserve our full attention.

Oliver Law Office was built to prioritize and support you through unparalleled communication and commitment to your individualized needs by delivering an experience that instills trust and encourages the ethical and passionate pursuit of justice.

We handle all injury cases on a contingency basis, which means we advance all the costs necessary to pursue your claim, and we only charge you a fee if and when there is a successful result.

At Oliver Law Office, our Ohio car accident attorneys and team have successfully represented clients for nearly 30 years. We have intimate knowledge of Ohio’s personal injury laws and how to obtain maximum compensation from all insurance coverages and policies for each client’s unique recovery needs.

Your complete recovery is essential, and you are worth the fight. Getting your life back on track means not giving up on the process. We won’t either. Contact us today to learn more.


The minimum insurance required in Ohio is:

  • $25,000 for bodily injury to one person in an accident.
  • $50,000 for bodily injury to more than one person injured in the same accident.
  • $25,000 for property damage.

With an estimated one in ten uninsured drivers sharing the roads with insured drivers, it is imperative that those who abide by our Ohio insurance laws further protect themselves by carrying uninsured (UM)/underinsured motorist coverage (UIM).

Ohio Revised Code Section 3937.18 requires insurance companies to offer uninsured/underinsured motorist coverage in an amount equal to the policy’s bodily injury liability limit.

If you reject UM/UIM coverage, you must do so in writing. Once you reject the coverage, you will be responsible for paying for your injuries and damages if you are involved in an accident with an uninsured driver.

If you agree to the coverage — and you should agree to the coverage — it will work in your favor if you are hurt in a crash caused by an uninsured, underinsured, or hit-and-run driver in Ohio.

Here’s why:

  • UM coverage protects you if you are involved in an accident with an at-fault driver who does not have liability insurance. Just as you would pursue an insured driver’s insurance coverage for your damages, you would pursue your coverage for the same damages. In theory, your insurance company will cover your bodily injury and property damage expenses up to the policy limits.
  • UIM coverage protects you if you are involved in an accident with an at-fault driver whose liability insurance coverage is insufficient to cover all your damages. If the driver who caused your injuries carries the minimum required insurance, and your damages exceed that amount, you would pursue your coverage for the balance.

Since you are filing a claim with your own insurance company, you might expect them to make the process easy and pay your claim in total to keep their customer (you) happy. However, while they might act like they are on your side, any time you make an insurance claim, your interest

(getting paid fully) is at odds with the insurance company’s interest (paying as little as possible).

Even with a UM/UIM claim, they will still send out an adjuster to tell you your damages and try to convince you what your claim is worth. This amount is nearly always less than a practicing auto accident attorney can get for your claim.

Contact our skilled uninsured accident attorneys in Columbus today to learn how we can pursue your insurance provider for the maximum coverage available through your policy, starting with a free consultation.


Too often, we cannot help injured drivers or passengers because the other driver was operating without insurance coverage and the injured person did not have their own Uninsured/Underinsured motorist coverage. It’s heartbreaking and preventable. We urge you to call your insurance agent and ask them to review the status of your UM/UIM coverage — not only for bodily injury but also for property damage (to repair your car).

Even though you believe you have “full coverage,” you might not be fully covered. With UM/UIM coverage, we can help. Contact our dedicated auto accident lawyers in Columbus today to learn more about your legal rights and options to pursue a claim against your insurance coverage so you are not left paying for your damages out of pocket.

We Also Focus on the Following Areas in Columbus:-


If you have been hurt or lost a loved one in an accident caused by a negligent uninsured/underinsured driver in Ohio, contact our dedicated Columbus car crash attorneys today. There is never a charge to speak with an attorney or any upfront or out-of-pocket costs to associate with our law firm in an injury or death matter.

Oliver Law Office is a client-focused law firm emphasizing the individualized needs of each client with personalized attention. We handle every case with confidence, courage, and determination. Please call us at (614) 756-6774 or fill out a Contact Us form so we can be in touch as soon as possible – let’s get started on your claim today.