All drivers in Ohio are required to carry liability insurance that will cover injuries and physical damages if you cause an accident. Other possible coverage types include uninsured/underinsured insurance, personal injury protection (PIP), as well as collision and comprehensive coverage. If another person causes an accident and you are injured, you can make a claim against their liability policy. Some of your own first-party coverages may also apply. Figuring out who is responsible for your injuries can be complicated in some auto accident cases. This is one reason why you want to retain a car accident attorney in Toledo.
You may be wondering why you would need an attorney if you are filing a claim against your own insurance policy. If you have to present an uninsured/underinsured motorist claim against your policy, your insurance company will treat you as though you are presenting a claim to the at-fault party. You still need someone who can protect your rights and help you fight for the compensation you deserve after an auto accident.
When you are involved in a car accident, you will report the accident to your own carrier and file a claim against the negligent driver’s policy. A determination on fault will then be made. In most cases, the defendant’s insurance company will try to place all the blame or at least a portion of the blame on you. If you are more than 50% at fault for the accident, you are barred from recovering any compensation. If you are under 50% at fault, you will be awarded a percentage of your damages. For example, if you are determined to be 40% at fault, you can collect 60% of your damages.
You should not rely on the other party’s insurance company to complete a fair investigation and offer you an amount that is adequate compensation. Outside of litigation, cases often resolve through negotiations. When you retain a car accident attorney in Toledo, we will handle all the negotiations, making sure you do not agree to settle for a lowball amount.
Car accidents can happen for a variety of reasons. Some of the most common causes of auto accidents in Ohio include:
No matter what the cause of the accident was, the sooner you talk to an attorney the better. We need time to gather all evidence and documentation that will support your position on liability. Our top priority is to build the strongest case possible to maximize your potential compensation.
If you were injured in a car accident, contact Lafferty, Gallagher & Scott, LLC to schedule an initial consultation. Sit down with us and learn more about how we can help you pursue the compensation you deserve after an Ohio car accident.
All of our partners are AV Peer Review Rated* through Martindale-Hubbell. Out-of-state referrals are welcome for all
areas of practice we handle, including personal injury, workers’ compensation and insurance claims issues.