If you have been seriously injured in a car accident caused by an uninsured or underinsured motorist, recovering fair compensation can be difficult. Uninsured drivers are rarely able to pay you for all of your losses. Even if you have uninsured/underinsured motorist coverage as part of your insurance policy, some insurance companies will go to great lengths to avoid paying what you deserve on your claim.

If you need help with an uninsured or underinsured motorist claim in Ohio, call our experienced car accident attorneys today at (614) 766-2000 to schedule a free case evaluation.

Ohio’s Minimum Coverage Requirements for Auto Insurance

In the state of Ohio, it is illegal to drive a motor vehicle without liability insurance or proof of financial responsibility. The minimum liability insurance coverage requirements in Ohio are:

  • Bodily Injury Liability Coverage – $25,000 per person (up to $50,000 per accident)
  • Property Damage Liability Coverage – $25,000

In lieu of insurance, a driver can also show proof of financial responsibility by obtaining a $32,500 Surety Bond from a licensed insurance agency, or by obtaining a Bureau of Motor Vehicles (BMV) Certificate for money or government bonds in the amount of $30,000. This amount must be on deposit with the Ohio Treasurer.

Uninsured/underinsured motorist coverage is an optional in Ohio, but is highly recommended. If you do not carry this type of insurance, then it can be very difficult—if not impossible—to recover damages for an accident caused by an uninsured driver. Uninsured/underinsured motorist coverage can also help if you are injured in a hit-and-run accident, where the identity of the at-fault driver is unknown.

Protecting Your Rights from Uninsured/Underinsured Drivers

Insurance companies have lawyers and adjusters on staff whose jobs are to limit the payout on claims and to convince claimants to settle for as little as possible. When you are injured in a car accident with an uninsured or underinsured driver, your insurance company may try to downplay the value of your case—offering to pay only a small portion of your total losses or denying your claim altogether. If this happens, then you have the right to fight their decision by suing your insurance company.

Attorney Robert W. Kerpsack has extensive experience helping clients successfully recover compensation in an uninsured/underinsured motorist case. If your insurance company is not willing to deal with you fairly and in good faith, then we have the resources and powerful representation you need to effectively negotiate a settlement or take the insurance company to court.

Case Example: Uninsured Motorist Accident

We represented the administrator of an 18-year-old high school student who was killed in a single-vehicle crash. Liability coverage on the driver was denied, however, because the owner of the vehicle had not given the driver permission to take the vehicle.

On the recommendation of a family friend (a former client of ours), the divorced parents of the passenger hired Robert W. Kerpsack Co., L.P.A. to prosecute the wrongful death claims. Our investigation revealed that the decedent was a resident of the separate households of both parents. Therefore, we were successful in recovering the limits of uninsured motorist coverage under automobile insurance policies maintained by each of the parents.

If you have suffered serious injuries in a car accident with an uninsured/underinsured motorist or in a hit-and-run accident where the other driver was never identified, please contact Robert W. Kerpsack Co., L.P.A. through our website or call (614) 766-2000 for a free case review with our experienced Columbus car accident attorneys. We represent injured accident victims in Columbus, Dublin, New Albany, and all of Ohio.