Gahanna Uninsured Motorist Claims Lawyer
Being involved in a car accident with an uninsured driver can ruin your life in a moment. When the at-fault driver does not have insurance, you may face financial challenges covering all the damages. Fortunately, an experienced uninsured motorist claims lawyer in Gahanna can help you pursue legal options under Ohio law.
At DWS Law - Dittmer, Wagoner & Steele, our lawyers have served victims of uninsured-motorist accidents in Gahanna and Franklin County, Ohio, since 2009. We bring more than 130 years of combined legal experience to personal injury matters and a strong understanding of building strong claims.
Understanding How Uninsured Motorist Claims Work In Ohio
Under Ohio law, you can purchase uninsured and underinsured motorist coverage, commonly referred to as UM/UIM coverage. While this coverage is not mandatory, it becomes important when an uninsured driver causes your injuries, since it can cover the damages.
Uninsured motorist coverage can also protect you when a hit-and-run driver cannot be identified. Although you file a claim through your own insurance company, insurers may look for ways to reduce payouts. Our attorneys can review your policy, gather supporting evidence and protect your rights throughout the claims process.
What Does A UM Claim In Ohio Typically Cover?
A successful uninsured motorist claim may provide compensation for:
- Medical bills and ongoing treatment
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage
These policies follow minimum liability limits of $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage. Ohio law also imposes a 2-year deadline for filing these claims, and missing it can jeopardize your claim. Our lawyers can help you navigate these requirements and pursue fair compensation.
What To Do If The At-Fault Driver Has No Insurance And You Lack UM Coverage
When the at-fault driver does not have insurance, and you have no uninsured motorist coverage, you may still file a lawsuit against the negligent driver. However, the uninsured driver may have limited financial resources, making asset investigations essential.
Ohio also follows a modified comparative negligence system. If you are more than 50% responsible for the accident, you cannot recover damages. If you are 50% or less at fault, your recovery may be reduced by your percentage of fault. A skilled personal injury lawyer can evaluate your case and help identify all available sources of recovery.
Talk To A Franklin County Uninsured Motorist Claims Attorney Today
If you have been injured by an uninsured driver, our personal injury lawyer is ready to help. At DWS Law - Dittmer, Wagoner & Steele, we represent clients in Gahanna, Franklin County and the surrounding Ohio counties. Call 866-274-1842 or use the online contact form to schedule a free 30-minute consultation.