According to state law, all drivers must carry a minimum amount of insurance in case of a car accident. Unfortunately, these laws do not prevent drivers from operating a car without insurance, and at any given moment, there may be thousands of drivers without insurance on the highway.
If you were recently hit by an uninsured or underinsured motorist, you may be feeling confused and frustrated. It is important to remember, however, that you may have legal options at your disposal that a compassionate attorney could help you explore. By hiring a Fremont uninsured car accident lawyer, you may be able to obtain the compensation you need to pay your bills, cover your medical expenses, and repair your damaged vehicle.
What is Uninsured Motorist Insurance?
Ohio state law requires all drivers to have a minimum amount of car insurance before they get behind the wheel. This means that if a driver causes an accident, their insurance company can pay for damages to the policyholder’s vehicle and to other involved parties as applicable, even if the driver does not have any money themselves.
This type of insurance coverage is usually referred to as liability coverage, but if a driver who cases an accident does not have liability coverage or does not have enough of it, problems can arise. Generally, if one party in an accident does not have coverage, the party that is not responsible could have uninsured motorist insurance pay for the accident damages instead.
Uninsured motorist insurance covers drivers if:
- They are hit by a driver with no insurance.
- They are hit by a driver who does not have enough insurance
- They are involved in a hit-and-run crash
Many drivers choose to avoid paying for car insurance for financial reasons, but others are simply just irresponsible. Either way, a Fremont uninsured car accident lawyer could help injured parties determine the appropriate method by which they could seek to recover compensation for their damages.
Insurance Claim Denials
As mentioned above, most responsible drivers carry uninsured motorist insurance. Unfortunately, insurance companies are legally allowed to deny the claims of their own policyholders under certain circumstances.
If a person finds themselves fighting with their own insurer, it may be time for them to start shopping for Fremont uninsured car accident lawyers. Insurance companies often do this for the following reasons:
- The policyholder does not submit enough information to support their claim
- The insurance company believes the policyholder is responsible for their own accident
- The insurance company claims the policyholder did not pay their premium
Filing Suit Against an Uninsured Motorist
It is always possible to take an uninsured person to court to recover damages. Doing this may seem outrageous to many people, but in reality, it may be possible to recover some damages from the responsible party. Driving without liability insurance is risky, and all drivers should consider this risk before they get behind the wheel of a vehicle.
In court, an uninsured car accident lawyer in Fremont would be tasked with proving the driver was aware of their lack of insurance but chose to operate the vehicle anyway. They must also prove the uninsured driver is responsible for the accident, typically by using police reports and witness testimony.
Let a Fremont Uninsured Car Accident Attorney Help
If you were involved in an accident with an uninsured driver, having experienced legal representation on your side may be beneficial. Whether you have to deal with the insurance company or the uninsured driver themselves, a skilled Fremont uninsured car accident lawyer may be able to help you obtain compensation. Call today to get more information.