Car Accidents & Insurance
Year after year automobiles are getting more reliable and safer to drive. However, accidents still happen. Human error, distractions, neglect of proper vehicle maintenance, the weather and road conditions can all play a part in vehicle accidents.
In Ohio it is a state law that everyone who drives a motor vehicle is financially responsible. The driver that causes the accident must meet Ohio's minimum requirements financially to cover property damage, injuries, and even death. That minimum requirement is only $25,000. That is not nearly enough to cover a serious accident. The medical bills alone would quickly exceed what the insurance company would pay out.
We were taught to be a defensive driver. Always watch out for the other vehicles. Don't rely on others to be safe drivers. This is a good practice. It is good to be aware of the vehicles around you and to allow enough space between vehicles. Use your turn signals. Make sure your lights are on at night. Many new vehicles have lights on all the time. Make sure all your lights are working. Replace any burned out bulbs. Your awareness of safety can go a long way in keeping you and possibly others safer on the road.
When it comes to car insurance, it would be wise to look at your policies to see how you would fare if someone hits your vehicle and they have the state minimum or no insurance at all. Even if the other person is at fault but has the state minimum or no insurance at all, there is not much you or anyone else can do to pay for your loss.
So what happens to me if someone else causes me serious bodily injury in a vehicle accident and they have the state minimum or no insurance at all? How do I make a living? How do I pay my medical expenses? How do I pay for anything?
If you are concerned with coming up short in a serious accident, try consulting with an actual insurance agent instead of just blindly buying insurance over the internet. An agent can properly assess the insurance needs of an individual. Further, an independent agent can get quotes from several different insurance companies to get the best price so it saves somebody calling multiple insurance companies on their own.
You may have seen our TV commercials or read one of our many helpful articles on line. We have been helping people just like you for over 40 years. We are ready to help you. Call the Eshelman Legal Group today for your free initial no obligation consultation. Call: 1-800-365-0001 "We'll Make Things Right"
The attorneys at the Eshelman Legal Group understand that no matter how cautious you are, others may not be so careful, and accidents do happen. So we hope you don’t need to, but if you are in a situation where you need the advice of an personal injury attorney, the Eshelman Legal Group is here to help you. For over 40 years we have been assisting accident victims, and we are here to assist you too... because “We’ll make things right.”
Ask yourself this question… who does the adjuster work for? The adjuster works for the insurance company, they do not work for you.