Uninsured Underinsured Motorists
Even though Ohio law requires that drivers carry liability insurance, far too many drivers break these laws and refuse to carry auto insurance. Many other drivers carry the minimum amount of insurance. These minimum limits are often insufficient to pay for an injured driver's medical expenses, lost income and other expenses, forcing an injured person to turn to their own insurance company to bridge the gap.
If you have been injured in a motor vehicle accident and an uninsured or underinsured driver was at fault, it is important to have experienced legal counsel at your side. The Cleveland law firm of Bentoff & Duber represents injured individuals across northeastern Ohio and beyond.
Underinsured motorist (UM) coverage applies when a driver without auto insurance was at fault for the accident that caused your injuries. UM coverage may also apply when the other driver cannot be identified, such as in a hit-and-run accident. Underinsured motorist (UIM) coverage can apply when the driver responsible for your injuries does not have sufficient insurance coverage to fully compensate you for your injuries. In Ohio, carrying UM/UIM insurance is not mandatory, but is recommended.
Insurance Companies Cannot Raise Your Rates if You File a UM/UIM Claim
Many people are reluctant to file a UM/UIM claim under their policy, believing that their insurance company will raise their insurance rates. In Ohio, the law forbids insurance companies from raising your insurance rates for filing an uninsured/underinsured motorist claim. If you have been injured by an uninsured or underinsured driver, our lawyers will closely review the terms of your policy. If you carry UM/UIM coverage, we will bring a claim against your own insurance company.