In the aftermath of a car accident, most people turn to insurance to cover their injury and property damage expenses. However, if you or a loved one have been struck by an underinsured or uninsured motorist, securing compensation can be incredibly difficult. At Paulozzi LPA, we are dedicated to helping victims recover the compensation they deserve. Let our uninsured and underinsured motorist attorneys help you today.

What is the minimum insurance required in Ohio?

Ohio law mandates that every driver carry a minimum amount of insurance coverage to remain legal on the roadway. Under state law, the following insurance coverage is mandatory for every driver:

  • $25,000 for each injury or death per accident.
  • $50,000 for total injuries or deaths per accident.
  • $25,000 for property damage per accident.

Is uninsured or underinsured motorist coverage required?

Many states mandate that drivers also purchase uninsured/underinsured motorist (UM/UIM) coverage as part of their minimum insurance requirements. However, Ohio does not mandate this kind of coverage for drivers.

Even though the state does not require this type of insurance, it is highly recommended that all drivers consider purchasing it. Data shows that approximately 12% to 13% of all drivers in Ohio operate illegally without insurance. That means that there is a good chance that any car accident you get in will involve an uninsured motorist.

Uninsured motorist coverage, if you have it, will be an invaluable tool for providing coverage for medical expenses in these instances. Injured victims could file a personal injury lawsuit against an uninsured driver. Still, there is a chance that the at-fault driver will not have the assets available to cover expenses.

Underinsured motorist coverage is very beneficial when the policy limits of an at-fault driver are exhausted. While $25,000 may seem like a high amount of coverage, that is not always the case. Consider some of the most common injuries our Youngstown car accident attorneys help clients with:

  • Spinal cord injuries
  • Whiplash
  • Traumatic brain injuries
  • Open head wounds
  • Broken and dislocated bones
  • Severe lacerations or puncture wounds
  • Amputations

These injuries can lead to extensive and ongoing medical care requirements that will quickly exhaust an at-fault driver’s insurance policy limits. Underinsured motorist coverage will kick in and help cover the difference.

How often do accidents occur?

Unfortunately, car accidents in this area are not uncommon. According to the Ohio Highway Safety Office, there were more than 300,000 crashes during the latest reporting year across the state. Out of these incidents, there were more than 100,000 injuries and 1,179 fatalities reported.

We are ready to help you through this

If you or a loved one have been injured in a crash with an uninsured or underinsured motorist, please seek legal assistance today. At Paulozzi LPA, we have vast experience handling car accident cases, and we will ensure all routes to secure compensation are explored. We know that you need the following:

  • Payment for your medical bills
  • Lost wages if you are unable to work
  • General household expenses
  • Possible physical therapy expenses
  • Pain and suffering damages

When you need a Youngstown uninsured and underinsured motorist attorney, you can contact us for a free consultation by clicking here or calling us at 888-710-0040.

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