Insurance data suggests that 13 percent of drivers in the state of Ohio are uninsured. With more than 8 million registered drivers in the Buckeye State, that puts about 1 million uninsured drivers on the road.
This is why car insurance companies offer uninsured motorist (UM) coverage when you buy coverage for your vehicle.
If you opted to add UM coverage to your insurance policy, you can submit an uninsured motorist claim and recover benefits for injuries sustained in a crash with an uninsured driver.
Even though you’ll be dealing with your own insurance company, it’s important to remember that they’re still a profit-motivated company. They won’t make it easy for you to recover the benefits you deserve, which is why it’s smart to enlist the help of an experienced Columbus uninsured and underinsured accident lawyer.
At Babin Law, LLC, we know that insurance companies believe that they’re above the law. They have tried-and-true strategies designed to deny claims and limit payouts. Our award-winning litigators are ready to make sure that the insurer takes your claim seriously and pays the full value of your UM claim. Our uninsured and underinsured accident attorneys are available for free consultations.
What is Uninsured Motorist Coverage?
Ohio is an at-fault state when it comes to car insurance. So, if you’re hurt in a car accident in Columbus and someone else is to blame, their insurance policy will be your primary source of compensation for things like medical expenses, lost income, and distress.
Uninsured motorist coverage exists to make sure that victims of accidents with uninsured drivers have somewhere to turn for compensation. Uninsured motorist coverage takes the place of the insurance coverage that the at-fault driver should have had. Instead of filing a third-party claim with the at-fault driver’s provider, you file a first-party claim with your own insurance carrier.
What Compensation Can I Get in a Columbus Uninsured and Underinsured Accident Attorney?
In Ohio, you can add any of the following types of coverage to your car insurance policy:
- Uninsured motorist coverage (UM): takes the place of the at-fault driver’s liability coverage
- Underinsured motorist coverage (UIM): available when the costs of your injuries exceed the at-fault motorist’s policy limits
- Uninsured property damage coverage (UMPD): covers the cost of replacing or repairing damaged property in an accident with an uninsured driver
When you file a claim against your UM or UIM policy, you’ll be able to recover compensation for:
- Medical bills
- Lost wages
- Pain and suffering
- Emotional distress
Compensation for damaged property can only be sought through UMPD coverage.
You can recover up to your UM/UIM/UMPD policy limits. UM and UIM coverage must be at least $25,000 per person and $50,000 per accident. Minimum UMPD coverage is $25,000 per accident.
Babin Law, LLC is Ready to Help You Maximize Your Columbus Uninsured and Underinsured Motorist Claim
Just because you have uninsured motorist or underinsured motorist coverage on your car insurance policy doesn’t mean that recovering benefits will be easy. Our Columbus uninsured and underinsured accident attorneys have decades of experience dealing with manipulative insurance companies, and we’ll be your fiercest advocate as you fight to get the benefits you deserve.
We’ll also determine if you have other paths for financial recovery – including claims against third parties and/or a lawsuit against the uninsured motorist. Don’t hesitate to reach out to our personal injury lawyers in Columbus, OH to discuss your uninsured motorist claim today. You pay absolutely nothing unless and until we win your case. Contact us for a free consultation.