Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH

Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH

Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH

While it’d be great if every driver in Dayton carried the legally required liability insurance, the fact is many thousands of them don’t. Unfortunately, many of these drivers don’t have insurance because they don’t have the ability to pay for insurance, meaning they also don’t have the money to pay for damages they cause in auto accidents.

If you do have uninsured or underinsured motorist (UI/UIM) coverage, you may be able to file a claim with your own company. Unfortunately, this can potentially result in a somewhat adversarial relationship between you and your own insurer. Collecting compensation in these cases can be complicated, but Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH may be able to help.

How Can You Recover Damages If the At-Fault Driver is Uninsured?

Being involved in an accident with an uninsured driver can be a daunting prospect. However, in such situations, your own insurance policy’s Uninsured Motorist (UM) coverage can come into play. This coverage is specifically designed to protect you by providing compensation for bodily injury and, in some cases, property damage if the at-fault driver lacks sufficient insurance. Also, medical payments coverage could further assist in covering medical expenses.

Should You Consider Speaking with a Lawyer If You Are Filing an Uninsured Claim With Your Own Insurance Company?

Yes, even when dealing with your own insurance company, it’s beneficial to consult with a seasoned personal injury attorney. Insurance companies, including your own, are fundamentally businesses aiming to limit their payouts. They may dispute the severity of injuries, question medical costs or outright deny claims if there are questions about fault.

At the Buckeye Law Group, Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH can assist in accurately documenting your damages, negotiating with the insurance adjusters, and ensuring you receive the fair compensation you deserve.

Scenarios in Which It May Be Difficult to Recover Damages After an Accident with an Uninsured Driver

If your damages exceed your policy’s UM limits, you may be left with out-of-pocket expenses. Also, if you opted out of this coverage, or if your insurance company disputes your claim, securing compensation becomes more complicated. Additionally, pursuing a lawsuit against an uninsured driver can be difficult, as they often lack the assets necessary to cover your damages.

Is Uninsured Driver Coverage Required in Ohio?

In Ohio, auto insurance companies are required to offer Uninsured/Underinsured Motorist coverage, but drivers are not mandated to carry it. It is an optional coverage that you can choose to add to your policy. However, given the substantial risks associated with accidents involving uninsured or underinsured drivers, it’s a protection many Dayton drivers consider valuable.

Get Help After Being Involved in a Crash With an Uninsured Driver

Being involved in an accident with an uninsured or underinsured driver can feel overwhelming. At the Buckeye Law Group, we understand the financial and emotional stress it can cause. Our dedicated team of auto accident lawyers is committed to offering the legal expertise and support necessary to navigate these complex situations.

We’re here to help protect your rights and ensure you receive the compensation you need to recover. If you find yourself in such a predicament, don’t hesitate to reach out to Uninsured & Underinsured Driving Accident Attorneys in Dayton, OH at 1-800-411-PAIN for a free case evaluation.