Many people simply assume that, once they have insurance coverage for their automobile, they are completely covered in the event of an accident. However, this assumption fails to take into account the way that insurance companies pay for claims. If you are struck by another driver, you do not receive compensation from your own insurance company – you receive compensation from the other driver’s insurance company. This makes perfect sense for the insurance company, as it puts the financial burden on the party responsible for causing the accident.
But what happens when the person who is responsible for the accident does not have insurance, or has insufficient insurance coverage? This is referred to as an uninsured or underinsured motorist accident. And if you do not have an uninsured motorist addendum on your insurance policy, there is a good chance that you will not receive sufficient compensation for the accident. Obviously, one of the easiest ways to avert this kind of tragedy is to opt for an uninsured motorist addendum, and you will be protected in such an event.
However, if you do not have uninsured motorist coverage at the time of an accident, the best recourse that you have is to contact an experienced Cincinnati uninsured motorist attorney to aid you with your case. Regardless of whether or not a person has insurance, they are still financially liable for any injuries or damages they may have caused. With the aid of an experienced lawyer, you have a better chance at collecting on this obligation.
If you or a loved one has been involved in an uninsured motorist accident, contact a Cincinnati personal injury lawyer at Stepleton Dugan, LLC today at 513-321-7733 to learn more about your legal options.