Uninsured and Underinsured Motorists

Aggressive drivers are responsible for many of the deadly accidents on American roads. If you have lost a loved one due to the actions of an aggressive driver, contact our firm to learn about your legal rights and options.

Learn About the Law on Motor Vehicle Accidents

While the Internet has a great deal of information about motor vehicle accident lawsuits, the best way to learn how the law may apply in your situation is to talk with an attorney about your options. Contact the lawyers at Friedman, Domiano & Smith by calling us at 866-636-8367 or completing our online contact form. Our main office is located in Cleveland. We also operate additional offices in Ohio.

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Motor vehicle accidents, like car accident, motorcycle accidents and truck accidents, cause serious injuries on Ohio roads every day. People who have been injured in a motor vehicle accident can take action. A personal injury lawyer can help an injured person receive compensation for medical bills and lost wages, and so they can receive resources to move forward with their lives.

For more information about the law on motor vehicle accidents, contact the trial lawyers at Friedman, Domiano & Smith by calling us at 866-636-8367 or completing our online contact form. Initial consultations are free and confidential.

Uninsured and Underinsured Motorists

When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him- or herself at risk. If the driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney at Friedman, Domiano & Smith Co., L.P.A. in Cleveland, Ohio, to create a plan of action.

Uninsured Motorists

Even if your state requires all drivers to carry auto insurance, the driver who injured you or your passenger may not have had insurance. Or you may have been hurt in a hit-and-run accident, making it impossible to identify the driver at all.

This is when uninsured motorist coverage will step in to protect your interests. Many states require auto insurance companies to offer uninsured motorist coverage. If your insurance company offers uninsured motorist coverage, and you chose to include it in your policy, then your insurance company will act as if it were the at-fault driver’s insurance company in compensating you.

When you file an uninsured motorist claim, your insurance company’s interests can be adverse to your interests. Consulting with an attorney before filing a claim is wise.

Underinsured Motorists

When the at-fault driver is underinsured, this means that the driver has purchased an auto insurance policy that does not provide enough coverage for your damages. If you have underinsured motorist coverage, you may be able to collect, from your own insurance company, the amount of your damages that exceeds the at-fault driver’s insurance coverage.

Collecting Insurance Benefits

To recover benefits under an uninsured or underinsured motorist policy, the victim typically will need to show that the other motorist was at fault. The victim will also need to prove that his or her bodily injuries were significant. To collect benefits under an underinsured motorist policy, the victim will need to collect as much as possible from the at-fault driver’s insurance company first.

Stacking Insurance Coverage

In some states and under some insurance policies, an injured party may “stack” various policies to reach a satisfactory level of compensation. By stacking coverage from more than one auto insurance policy — or coverage for more than one car on a single policy — the injured party increases monetary recovery. Stackable coverage is not allowed in every state; in some cases, the insured must choose to have stackable coverage upon purchasing the policy.

Contact an Attorney

Uninsured and underinsured motorist coverage protects accident victims when they are most vulnerable. Not every policy has such coverage, however, and the victim’s approach to the situation can change the level of compensation he or she receives. Indeed, some rules do not require the victim’s insurance company to pay the victim if the victim settles prematurely with the at-fault motorist’s insurance company. This is why it is so important to work with an experienced attorney from Friedman, Domiano & Smith Co., L.P.A. in Cleveland, Ohio.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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The main law office of Friedman, Domiano & Smith Co., L.P.A., is located in Cleveland, Ohio, with satellite offices in other parts of Ohio. We represent motor vehicle accident victims in locations including Akron, Canton, Elyria, Painesville, Jefferson, Chardon, Cuyahoga County, Summit County, Stark County and Lorain County.

Disclaimer: This site and any information contained herein is intended solely for informational purposes and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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