Under Ohio law, all drivers are required to carry state-minimum liability insurance that provides coverage in the event of a car accident. Nonetheless, many Ohio motorists drive without state-minimum coverage. If you were injured in a car accident with a driver who did not have insurance and you purchased Uninsured Motorist Coverage through your car insurance carrier, you can file a claim with your insurance company.

Filing an uninsured motorist claim is not always straightforward. An uninsured motorist attorney at Robenalt Law can guide you through the claims process and help you recover the compensation you deserve.

What Is an Uninsured Motorist?

An uninsured motorist is a driver who operates a motor vehicle without the legally required state-minimum insurance coverage. When the driver who causes the accident has no insurance, you could be left paying for the cost of your own medical bills, vehicle repairs, and other damages.

What Is Uninsured Motorist Insurance Coverage?

Uninsured motorist coverage is an optional insurance product available through your insurance carrier. It provides coverage if you are injured in an accident with a driver who did not have insurance. After a car accident with an uninsured driver, your uninsured motorist coverage will pay for the cost of your medical bills, damage to your vehicle, and other losses, up to the limits of your insurance policy.

Uninsured motorist coverage applies to the named insureds on the policy, all passengers in the vehicle at the time of the accident, and permissive users of the insured vehicle. If you were working at the time of the collision, your employer might have uninsured motorist insurance coverage that would cover your losses.

When Does Uninsured Motorist Coverage Apply?

Uninsured motorist coverage applies if you were injured in an accident or your vehicle was damaged by a driver who does not have insurance. It can also apply in hit-and-run situations where the driver who struck you or your vehicle cannot be identified.

Do You Need a Lawyer for an Uninsured Motorist Claim?

You are not legally required to hire an attorney to represent you in a claim for uninsured motorist benefits. But an experienced personal injury attorney can provide helpful advice and legal guidance to protect your rights and ensure you receive fair compensation for your injuries and other losses.

How Can an Uninsured Motorist Lawyer Help?

The uninsured motorist lawyers at Robenalt Law can handle your insurance claim and save you valuable time and effort so you can focus on recovering from your injuries. Filing an insurance claim takes time, patience, and effort. Our attorneys understand the laws that apply to insurance claims under an uninsured motorist policy. We can use our expertise to help you avoid mistakes that could cost you the compensation you deserve.

Our uninsured motorist attorneys can review the circumstances of the accident and your insurance policy to ensure you have a valid uninsured motorist claim. We will conduct a thorough investigation of the accident and gather witness statements, photographs, surveillance footage, and other evidence to prove your case.

If there is a dispute over the application of the law or whether your uninsured motorist coverage applies, we can research the law, examine the terms of the insurance contract, analyze legal precedents, and fight to have your claim covered.

We will also gather the evidence necessary to prove the full value of your claim. This may include your medical bills and lost wages, as well as the cost of future medical care and treatment, pain and suffering, and other damages you may be entitled to recover. We can handle communications with your insurance company and protect your rights to ensure you do not inadvertently say something that could jeopardize your claim. We will also negotiate with the insurance company and fight to ensure you receive a fair settlement for your injuries and other losses.

Contact Robenalt Law Today

Robenalt Law has offices in Cleveland and Columbus, and handles car accident injury claims throughout Ohio and nationwide. Call our Cleveland office at (216) 223-7535 or our Columbus office at (614) 695-3800 or contact us online to schedule a free, confidential, no-obligation appointment to discuss your situation and how we can help.