Car accidents can be a harrowing experience for anyone involved. When the other driver is at fault and underinsured, it can make the situation even more complicated. However, there are steps you can take to ensure you get the compensation you deserve. This guide discusses what the implications are if you are in an auto collision with someone who is uninsured or underinsured. 

What Are Ohio’s Auto Insurance Laws?

Before proceeding, it can help to be familiar with the state's basic auto insurance laws. In Ohio, it is mandatory to have car insurance to legally drive on the roads. The minimum required coverage is liability insurance, which covers damages and injuries you cause to others. However, this coverage does not pay for your damages or injuries in the event of an accident. Therefore, it can be beneficial to have additional coverage, such as collision and comprehensive insurance, to protect yourself and your vehicle. 

What Is UIM Coverage?

A person is uninsured if they don’t have liability insurance. If a driver doesn’t have enough insurance to cover the cost of damage, they are considered underinsured. Unfortunately, not everyone follows the law and carries adequate insurance coverage. If you are involved in a car accident with an uninsured or underinsured driver, it can make it difficult for you to pay for medical expenses and auto body damage. However, you may be able to get compensation through your own insurance policy. Uninsured and underinsured motorist coverage (UIM) is an optional coverage that can help protect you in these situations. UIM covers damages and injuries you sustain in an accident caused by someone who does not have insurance or has insufficient coverage. 

How to Get Compensation

If you are involved in a car accident with an at-fault, underinsured driver, there are certain steps you should take to protect your interests. Firstly, make sure to call the police and get the other driver’s contact information. Secondly, take photos of the scene and report the incident to your insurance company. In addition, you may want to consider contacting an attorney. They can assist you in navigating the complex process and ensure you are properly compensated. 

If you’ve been involved in a car accident with an at-fault, underinsured driver and are struggling to get the compensation you deserve, turn to Nichols, Speidel & Nichols. Based in Batavia, OH, they’ve been serving their community since 1926 and have more than 150 years of combined experience. Their attorneys give their full attention to every case and tailor their approach to meet the needs of the individual. To schedule a free consultation, contact them at (513) 732-1420 or visit their website for more information.