Introduction to Uninsured Motorist Claims
When you are involved in a car accident caused by another driver, you are entitled under Ohio law to compensation from that person. In most cases the guilty party pays for your costs and damages through his or her liability insurance policy. All drivers are legally obligated to purchase car insurance so as to be able to protect themselves and others in the unfortunate event of an accident.
However, not every driver complies with their legal duty. Those involved in car accidents caused by uninsured (or under-insured) drivers are left in a very difficult position. It is still possible to make a claim and file suit against the driver, but it may be difficult to collect any awarded compensation. Those who drive without insurance often have limited assets and little money to collect.
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A better option may be to file an uninsured motorist claim. This is a claim you make with your own insurance company. In these cases, your own insurance company stands in for the driver who would have paid your bills had he or she purchased insurance. You are entitled to the full amount of compensation which you have purchased as part of your policy, and should be able to be made whole just as you would have been if you were making a claim against the driver who caused the accident.
Unfortunately, insurance providers do not always live up to their end of the bargain. Often, the sad truth is that an insurance company’s primary concern is its own profit margin, not the well-being of its customers. You may receive a claim denial, a low-ball offer, or pressure to settle your case for far less than it is worth.
To prevent these unjust outcomes, it is important to hire an experienced attorney to represent you. Alex Durst is a two-time "Super Lawyer" with extensive experience dealing with Insurance Companies. He will protect your rights and negotiate vigorously on your behalf to ensure you receive the full compensation you are due. Contact The Durst Law Firm at (513) 621-4999 for a free case evaluation today.