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2 months ago · by · 0 comments

How to Protect Yourself in an Accident with an Uninsured or Underinsured Driver

It is a requirement in most states for anyone who owns a vehicle to have at least liability insurance on their vehicle. Many people work to get around this requirement. In many cases, people will purchase insurance for their vehicle and maintain it long enough to have their vehicle legally registered. Once this is done, they will cancel the insurance policy. In a bad economy, the number of people driving without insurance increases significantly.

Uninsured Driver Study

A study conducted by the Insurance Research Council shows that approximately one out of every seven drivers on the road does not have insurance on their vehicle. On a national scale, this represents 14 percent of drivers operating vehicles without insurance. The state with the highest number of uninsured drivers is Mississippi and next is Tennessee and then Florida. The states with the lowest rate of uninsured drivers are New York, Maine, and Massachusetts.

Minimize Financial Impact

There are things a driver can do to minimize their financial losses after being in an accident with an uninsured or underinsured driver. It is possible to purchase insurance coverage designed to protect against accidents with an uninsured or underinsured driver. This insurance will provide protection if a driver is in an accident with someone who has no insurance or too little insurance. It can also protect against a driver who is a hit-and-run driver and leaves the scene of an accident.


When a vehicle owner purchases uninsured coverage, it will cover the driver as well as relatives residing in the driver’s home. It will also apply to passengers in their vehicle at the time of an accident. It will provide compensation for any of these individuals who are injured when in an accident with an uninsured driver as well as a hit and run driver. Underinsured motorist coverage will cover the driver as well as relatives residing in the driver’s home. It will also apply to passengers in their vehicle at the time of an accident. This provides protection against being in an accident with a driver who does not have sufficient coverage to pay an accident claim. Uninsured and underinsured coverage will not pay for any property damage caused by the accident.

Suing Uninsured Or Underinsured Driver

When a person is in an accident with an uninsured or underinsured driver, it is possible to sue them for losses resulting from a vehicle accident. The only way this is effective is if the driver who is uninsured or underinsured has enough personal assets to reimburse an accident victim’s for their loss. In most situations, a driver who is uninsured or underinsured won’t have financial assets sufficient to compensate an accident victim. This means litigation may not be a viable way to obtain compensation for losses from this type of vehicle accident.

Won’t Exceed Primary Coverage

It is important for people to realize that uninsured and underinsured coverage won’t be more than the amount of a person’s primary coverage. Should someone have $150,000 in coverage for any vehicle accident they may cause, then their uninsured and underinsured coverage cannot exceed $150,000. With most vehicle insurance policies, this coverage is reasonable when compared to minimum liability coverage. It is better than dealing with not having coverage.

Filing A Claim

When a person is in an accident with someone who is uninsured or underinsured, they should contact their insurance company as soon as possible. It’s important to let them know they intend to file a claim. Many insurance companies have strict deadlines when it comes to filing an uninsured or underinsured claim. Often insurance companies require a claim to be submitted within 30 days after the accident. It’s important to tell the insurance company the other driver did not have insurance or refused to provide their insurance information. These claims usually require a little longer to settle.

An uninsured and underinsured insurance claim will follow the same process as any other vehicle accident claims. In this case, it will be the accident victim’s insurance company that will pay the claim. There will be an investigation, review of various records, police reports, depositions of witnesses as well as a review of medical records and more. It will often provide compensation in situations where there would not be any type of payment without this coverage.

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6 months ago · by · 0 comments

Who Is At Fault When Your Car Gets Rear-Ended?

It is a sad but true statistic for anyone who drives an automobile. If you have not already been rear-ended in a car accident chances are you will in your lifetime. It is one of the most common type of car accidents involving more than one vehicle. Most believe that the person who hits the car in front of them is the one who is at fault. This is simply not true. The best advice for any driver is to have insurance coverage to help you if you are in one of these accidents. Here are a few things to consider if you are rear-ended.

Documentation – To help prove who is liable it is in your best interest to document the accident thoroughly. Contact the police and emergency services as needed. The police will write an accident report stating their findings and conclusions. Someone might even be ticketed. Be sure there are photos of the accident; they could be necessary if you must attend court. If possible see if there are any witnesses who can corroborate what happened.

Burden of proof – If you are the one who hit the vehicle in front of you many will assume you are guilty. If there are mitigating circumstances that caused you to hit the car in front of you be sure to make them known. Much like a lawyer has to prove a person’s guilt it might be necessary for you to prove you were not at fault. A few of the reasons that might show that are: the car in front of you has faulty brake lights, the driver in front of you made an unsafe or illegal lane change or show that the driver in front of you being distracted drove dangerously causing the accident.

Multiple car accidents – When there are more than two cars involved in a rear-ended accident, liability is even harder to determine because there are so many parties involved. Again begin with as much documentation as possible. The more parties involved you will get conflicting stories about how the accident happened. The first car could start a chain reaction where following traffic has no way of avoiding the rear-end collision. Or it could be simply the car in the middle hit the car in front and made it impossible for the third and following cars to stop before getting involved. In other instances the third or more car could be driving negligently and runs into the cars in front of them; essentially pushing them all together. As you can expect the more cars involved in a rear-end accident the harder it can be to accurately determine the initial cause.

This is where as a responsible driver needs to realize the importance of having full and comprehensive coverage with a reputable insurance agent. So if you find yourself involved in this type of accident; no matter where the fault lies; you can rest easy knowing you and your car are well represented.

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Cincinnati Family and
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Loveland, OH 45140

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