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Although the actual process of civil litigation can be complicated depending on the circumstances, the basic premise is straightforward: a person found liable for causing a car crash could be held legally accountable to pay for the plaintiff’s damages they suffered as a result. These payments primarily come through the defendant’s car insurance policy and usually cover the financial needs of the plaintiff regarding their crash-related injuries.
Despite state laws mandating a certain amount of insurance coverage for all drivers, sometimes drivers do not have enough insurance coverage to make up for the totality of the plaintiff’s losses. If this happened to you, a Lima uninsured car accident lawyer could help pursue damages directly from the defendant or an insurance company. A skilled car accident attorney could work with you to reach a positive outcome in your unique case.
Everyone who operates a motor vehicle on public roads in the State of Ohio must meet a minimum standard of insurance coverage to drive legally. Ohio Revised Code §4509.51 states that a car insurance policy must provide the following amounts of coverage to be sufficient:
Furthermore, all motorists in Lima must keep proof of their insurance in their vehicles at all times, so they can present it to a law enforcement officer if need be. Failure to maintain proper insurance coverage may be punished criminally with license suspension, fines, and even registration revocation and vehicle impoundment after repeated offenses. An uninsured/underinsured car accident attorney could explain how a lack of insurance could impact civil proceedings in Lima.
Since Ohio is a fault insurance state, an accident victim has the option of seeking compensation from their own insurance, from the insurance of the driver found responsible for causing the wreck, or from the liable party directly. If the defendant driver does not have enough insurance coverage, an injured plaintiff could have difficulty recovering fair compensation to make up for their injuries and losses.
One option for Ohio motorists concerned about this possibility is uninsured/underinsured motorist coverage, which ORC §3937.18 requires insurance companies to offer to policyholders. If a plaintiff has this insurance already, their insurance company could take the lead on recovering damages on their behalf without increasing their premiums as a result.
Unfortunately, insurance companies are known for denying accident claims and contesting assertions by plaintiffs indicating that the insurance coverage of the person who injured them is insufficient. A qualified legal representative well-versed in uninsured auto accident cases in Lima could represent a plaintiff’s best interests by negotiating with an insurance company to ensure complete coverage.
Pursuing a civil settlement or court verdict following a car accident can be difficult under any circumstances, but if the defendant lacks the insurance coverage necessary to pay for your damages, the situation could feel impossible. An experienced Lima uninsured car accident lawyer could explain what legal options you have at your disposal and use them effectively in pursuit of a beneficial case result. To schedule a consultation and discuss your case, call today.