Having the right insurance coverage can make a significant difference in
the recovery of damages if you are involved in a
car accident in Ohio. There is no guarantee that the other driver has enough coverage
or any at all.
However, you should seek legal help from a Cleveland personal injury attorney
if someone else’s negligence was the cause of your accident. You
could receive compensation for serious injuries you sustained as a result
of the accident.
Overview of Uninsured Motorist Coverage
To save money, motorists may opt to take the minimum amount of insurance
required by their state. However, you may better protect yourself and
your assets by getting more than what is required.
How will you pay for your medical expenses and other damages if you are
seriously injured in an accident with a driver who doesn’t have
insurance? Or what if you sustain severe injuries in a hit and run?
Uninsured motorist coverage can help address your financial losses and
more. This could include medical costs, lost earnings, or other out-of-pocket
expenses related to your accident and injuries.
In addition, it may cover non-financial damages such as pain and suffering,
reduced quality of life, disability, and more. An accident doesn’t
just affect a victim’s pocketbook; it may have dire consequences
that go far beyond.
This not only covers you, but members of your family and passengers in
your vehicle. It even applies to situations in which you are a pedestrian,
motorcyclist, or bicyclist and are injured by an uninsured driver.
Overview of Underinsured Motorist Coverage
Underinsured motorist coverage provides coverage in the event the other
driver has insurance, but it isn’t enough to cover damages. It will
generally cover the difference between the other driver’s coverage
limit and yours.
So, if the other driver’s limit was $30,000 and your limit was $50,000,
you could receive the difference. However, this would only apply if your
damages were at least $50,000. If they were only $40,000, then you would
be entitled to a difference of $10,000.
Even if the other driver has insurance, it may not be enough to protect
you. Your medical expenses can add up quickly, especially if you are dealing
with expenses related to hospitalization, surgery, follow-up visits, and
other medical care.
Although the state ofOhiodoesn’t require you to carry uninsured and
underinsured motorist coverage, you should still purchase the highest
amounts that you can afford. It is usually not very expensive and well
worth it, especially if you find yourself in a situation where you have
been seriously injured.
Like uninsured coverage, underinsured coverage also helps cover not only
your medical expenses, but also other costs as well. For instance, if
your injuries prevent you from working for several months, lost earnings
may be recoverable.
What’s more, if you have suffered other damages, physical or psychological,
additional compensation may be available. You may also be able to pursue
a claim against the other driver if they were at fault for the accident.
Seeking Legal Help from a Cleveland Personal Injury Attorney
Insurance coverage is important, but it’s not the only way to recover
damages. If the other driver was negligent and caused you to sustain serious
injuries, you may also be able to pursue legal action through a claim.
To learn if you have a legitimate claim, contact a personal injury attorney
as soon as possible. It is important to make sure that your case is handled
promptly to preserve evidence and protect your rights.
Theattorney team at Mellino Law Firm offers specialized medical knowledge, exceptional trial skills, and superior
negotiating talent in pursuit of fair compensation for clients. Do you
want to learn more about how they can help you?
Contact them today for a free consultation at (440) 333-3800.