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UNINSURED MOTORISTS

The negligence of uninsured drivers can victimize innocent people and their passengers, causing unimaginable pain and suffering. Insurance companies offer their policyholders uninsured motorist coverage, which theoretically pays for bodily injury and property damage.

Certain states like Ohio require insurance companies to provide their policyholders with optional uninsured motorist insurance. The provisions that cover automobile insurance policyholders in accidents with uninsured motorists typically offer minimal coverage. You can increase the coverage by paying higher premiums.

If you are involved in an accident caused by an uninsured driver, you must prove two things: (1) that the driver was indeed uninsured, and (2) The uninsured driver was at fault. This can be difficult or impossible in cases of hit-and-run accidents.

The uninsured motorist laws can be interpreted a number of ways, and your benefits are dependent on your insurance policy, accident report, medical records following the accident and witness accounts of what actually happened. Contact the law firm of O’Connor Acciani & Levy, LLC for a FREE evaluation and assistance understanding your rights in an uninsured motorist case. Send us an email or call 513-241-7111 to set up an appointment.

The minimum liability limits in Ohio are:

• $12,500 per person for injuries to other drivers or passengers caused by you
• $25,000 per accident
• $7,500 for property damage caused by you

Additional options include blanket umbrella collision, medical payments, and uninsured/underinsured motorist bodily injury coverage. An uninsured motorist policy premium is usually under $100 per year with varying benefits.

Proof of insurance is required at all times in your vehicle, but many uninsured drivers will choose to gamble and pay the minor penalty. That punishment in Ohio is 90-day license suspension for driving without insurance and a $75 reinstatement fee.

Although the insurance company is required to notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal, there are drivers who choose to drive without insurance, threatening innocents on our roads.

The law firm of O’Connor Acciani & Levy, LLC has been representing victims of uninsured and hit-and-run car accidents for over 27 years. If you have been involved in an auto accident in Ohio with an uninsured driver, contact our car accident lawyers as soon as possible. O’Connor Acciani & Levy, LLC will work at recovering damages from those responsible. Call today to discuss your case with an experienced uninsured motorist attorney. Send us an email or call 513-241-7111.