Columbus, OH-Drunk drivers, harm and kill thousands of innocent motorists every year in the U.S. Too many drunk drivers don’t have a valid driver’s license, and a lot don’t have auto insurance. So, what does that mean for you? What happens if an uninsured drunk driver hits you? How do I recover compensation?
Uninsured Drivers in Ohio
Under Ohio law, motorists are required to carry:
A minimum of $25,000 for injury or death for one person, or $50,000 for multiple injuries or deaths.
It is illegal for any motorist in the state to drive without auto insurance knowingly. All drivers must keep proof of insurance in their vehicles so they can present it to an officer.
That’s a very minimal amount of money if a drunk driving accident results in severe injuries or death. According to the National Highway Traffic Safety Administration, the average lifetime cost of a critical-injury crash is $1 million, and for a fatal crash, the lifetime costs are approximately $1.4 million. Clearly, the minimum amount of insurance Ohio requires isn’t enough to completely cover the potential costs drunk driving accident victims.
Insurance coverage for uninsured or underinsured motorists is not mandatory in Ohio, so many people choose not to carry this type of insurance. Deciding not to get this insurance coverage will save you money on your monthly insurance bill, but it will also put you in a bind if you get hit by an uninsured or underinsured drunk driver.
File a Claim with Your Insurer
Nearly one in seven Ohio motorists drive without insurance coverage, there’s a chance that you or a loved one with be hurt in an accident with an uninsured drunk driver. If this happens to you, things aren’t hopeless; it’s just going to be a little more challenging to get injury or wrongful death compensation because you must go through your auto insurance provider.
An insurance company, whether you or the at-fault driver is their customer, is going to fight your claim and work hard to keep the final settlement amount low. Insurance adjusters have tricks like placing some of the blame on you to minimize their liability. It’s not personal; it’s just how the insurance business operates.
USAttorneys.com recommends you speak to a drunk driving accident attorney in Columbus if you need to negotiate with an insurer. Our injury lawyers know all the tricks insurance adjusters use to keep your settlement low and won’t let you be shortchanged. Our team has the skills to negotiate with the insurer and counter any claims you deserve less than you need.
Filing a Civil Suit Against the Drunk Driver
If an uninsured driver hits you, you also have the option of filing a personal injury or wrongful death claim in civil court. The only problem with this option is that many motorists don’t have thousands or millions of dollars to pay a civil suit. Even if you are awarded compensation, it could take years to recover it from a driver.
Contact a Drunk Driving Accident Lawyer in Ohio
You need advice and direction after your drunk driving accident. USAttorneys.com can connect you with a drunk driving accident lawyer in Columbus to steer your case in the right direction and make sure you receive maximum compensation.