Ohio Car Insurance Disputes Lawyers
Uninsured motorist ("UM") or underinsured motorist ("UIM") coverage protects injured individuals where the driver in a car accident does not have insurance coverage or does not have adequate coverage. UM or UIM can also provide coverage for hit and run accidents. It can be there to provide you with compensation for property damage, medical expenses and pain and suffering.
There are many drivers in the State of Ohio that only carry minimum coverage and others that drive without any coverage despite it being required by law. To date, the required minimum amount of auto insurance coverage in Ohio is $25,000 per person injured in a single accident and $50,000 for all injured parties. Obviously, this amount cannot reasonable compensate someone or their family for catastrophic injury or death. That is why it is important to have uninsured/underinsured coverage along with an umbrella policy.
The lawyers at Triscaro & Associates have represented numerous individuals and families in UM/UIM claims to ensure reasonable and fair compensation. We work diligently against insurance companies to obtain the following types of damages from UM/UIM carriers:
- Medical Expenses: past and future, rehabilitation costs
- Lost Income: past and future, loss of prospective income
- Funeral Costs: in wrongful death actions
- Pain and Suffering
- Loss of consortium: may be brought by a spouse or child
Ohio Uninsured and Underinsured Coverage
Uninsured coverage provisions kick in when the at-fault driver has no insurance whatsoever. Underinsured coverage provisions kick in when the at-fault driver has inadequate coverage. It is important to review your declarations page to your auto insurance policy to make sure you have both UM and UIM coverage. Don't be a cautionary tale. If unsure, contact your insurance agent today.
Common UM and UIM cases we have handled include:
- When an individual is injured by a person that does not have insurance or does not have adequate insurance coverage
- Hit and run accidents
- Pedestrian accidents
- Bicycle accidents
If you have been involved in a car accident it is important to obtain the insurance information from the other driver so that one can identify the available coverage. In some situations, you will have the duty to prove to your own insurance carrier that the at-fault driver has no insurance or inadequate coverage. This can be accomplished through signed statements from the driver, police reports and correspondence from the driver's insurance company. If you have been involved in an accident and the at-fault party does not have coverage it is important to contact an auto insurance claims attorney immediately that is well versed in UM and UIM claims. There are specific nuances in this area of the law and it is important to have a knowledgeable advocate on your side.
There are also times when your own insurance carrier fails to reasonably compensate you or your family for your injuries. In such circumstances the attorneys at Triscaro & Associates are not afraid to commence action against your own insurance carrier in court to see to it that you are appropriately compensated for your injuries.
When your own insurance company does not act reasonably and in good faith, an additional bad faith action may be brought against them. Bad faith claims open up insurance companies to further damages than one would be entitled for based upon the auto accident alone, including punitive damages and attorney's fees.
If you or a loved one has been injured in an auto accident and the at-fault party does not have auto insurance or adequate coverage please contact us today for a free and confidential consultation. We will identify whether you have UM or UIM coverage and take all steps necessary to preserve your rights and obtain the most compensation possible. There is no attorney fee unless we recover for you.