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Car insurance laws make certain coverage mandatory for drivers and other protections optional. It is essential to understand the different types of car insurance in Ohio, whether mandatory or additional, in the event that you are involved in an accident and need to file a claim.
If you or someone you know was recently involved in a motor vehicle wreck, you could consider speaking with a car accident attorney. An Ohio lawyer can provide guidance about filing a claim and determine whether you could be owed financial damages from the other party involved.
There are two main types of auto insurance coverage that Ohio law requires drivers to carry. The first is bodily injury liability coverage. This kind of coverage pays for damages that another person sustains in an accident caused by the insured. Bodily injury liability insurance covers the costs associated with another person’s injuries or death if the insured is responsible for the underlying collision. These costs the insurance covers could include pain and suffering, medical bills, lost wages, and other damages.
The second type of car insurance that the state of Ohio requires all drivers to carry is property damage coverage. As its name suggests, this coverage exists to pay for the damage inflicted on the claimant’s vehicle or other property during the collision.
In Ohio, drivers should carry minimum policy limits for bodily injury liability coverage of $25,000/$50,000. The minimum amount required for property damage coverage is $25,000 per accident.
While Ohio only requires drivers to carry bodily injury liability and property damage coverage, a policyholder may also purchase many other protections in their auto insurance policy. Two critical add-on coverages that can play an integral role in a car accident claim are underinsured and uninsured motorist coverage. After an auto collision resulting in injuries, there may be a situation where the claimant discovered the at-fault party only carries the minimum coverages required in Ohio. Or, in some cases, the at-fault driver may have neglected to purchase even the mandatory minimum liability insurance.
This is where the uninsured/underinsured motorist coverage on the claimant’s personal policy can provide much-needed protection. Uninsured motorist coverage can pay for a claimant’s hospital bills, lost wages, and other damages if they are injured by a hit and run, a driver failed to carry liability insurance, or a person’s liability policy lapsed before the accident. This type of policy can also be a lifesaver if the at-fault driver does have coverage, but the payments will often not be enough to cover the full scope of the claimant’s injuries.
Ohio drivers also have the option of purchasing Medical Payments (MedPay) coverage or Personal Injury Protection (PIP) coverage for their policy. When someone is injured by an at-fault driver and their claim is still in process, the claimant’s own MedPay or PIP can pay for some of their medical bills while they await the resolution of their case with the other driver’s insurance company. The injured individual can also file a PIP claim under their coverage to receive compensation for some of their income lost due to the accident and needed treatment.
While the types of car insurance that could affect someone’s accident claim may seem relatively straightforward, obtaining compensation is often not. If you were injured in a wreck caused by a negligent motorist, it could be prudent to seek experienced legal assistance for help filing a claim. An Ohio lawyer can assess your eligibility for compensation given the facts of your crash and work hard to secure the financial recovery you deserve. Schedule your case consultation with a personal injury attorney today to learn more.
Charles E. Boyk Law Offices, LLC