Dublin Uninsured Motorist Accident Lawyer
Nobody anticipates being involved in a car crash or injured in a traffic collision in Dublin. Yet accidents do happen, and they can result in serious injuries. In some car accidents, you can expect that the at-fault driver will have enough liability insurance to cover your losses. However, the reality is that, in many motor vehicle collisions in Ohio, the negligent driver has insufficient insurance coverage or is lacking insurance coverage altogether. In these instances, you may be able to obtain compensation by filing an uninsured or underinsured motorist claim. One of the attorneys at the Oliver Law Office can provide you with more information and can assist you with your claim. Contact our experienced Dublin uninsured or underinsured motorist lawyer today.
What is an Uninsured or Underinsured Motorist Claim in Dublin?
Under a typical auto insurance policy, a driver is required to have liability insurance. Ohio law requires all drivers in the state to have at least the minimum required amount of liability insurance in the event that they are responsible for an accident, which is $25,000 for one person’s injury in an accident, $50,000 for two or more people’s injuries in an accident, and $25,000 for property damage in an accident. These liability coverage amounts are often written as 25/50/25 requirements.
Beyond required liability insurance, drivers also have the option to purchase additional coverage, which can include uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage. What are these types of coverage? According to Ohio law, uninsured motorist coverage is designed to allow an injured person to obtain compensation when another motorist who causes a collision does not have any insurance as required by law. Underinsured motorist coverage is designed to provide compensation in accident cases where an at-fault motorist has required liability coverage, but the coverage amounts are insufficient to cover all losses.
Why You May Need to File an Uninsured or Underinsured Motorist Claim in Dublin
When would you need to file an uninsured or underinsured motorist claim? If you are injured in a collision caused by an uninsured motorist, you can file a UM claim under your own insurance policy in order to obtain compensation quickly for your losses.
When are UIM claims appropriate? Imagine that you are involved in a multi-vehicle crash caused by a drunk driver. That drunk driver may have the required minimum liability coverage, but it may be insufficient to cover your losses and the losses of the other parties involved in the collision. In this type of situation, you can seek compensation by filing a UIM claim through your own auto insurance policy.
What to Do If You Do Not Have Uninsured or Underinsured Motorist Coverage
If you do not have UM or UIM coverage and the at-fault driver does not have sufficient insurance, you may be able to file a lawsuit. While suing an at-fault driver without enough insurance may not result in actually receiving compensation, you may be able to sue another liable party with deeper pockets.
Contact Oliver Law Office Today
The attorneys at the Oliver Law Office can help with your auto accident claim. Contact our experienced Dublin uninsured or underinsured motorist lawyer today.