• Auto Accidents
• Truck Accidents
• Serious Injuries
• Wrongful Death
• Motorcycle Accidents

Blog

Truck Accidents

• TRUCK OVERRIDES ARE THE CAUSE OF MANY OHIO TRUCK ACCIDENT FATALITIES
• Ross County Ohio Truck Accident Attorney | 34-Year-Old Man Injured in Concord Ohio Truck Accident
• Summit County Ohio Truck Accident Attorney | Norton Ohio Accident Injures 54-Year-Old Woman
• Lake County Ohio Truck Accident Attorney | Truck Accident Injures 27-Year-Old Man in Leroy Ohio

View More

News

• Posted on 9/9/2010Ohio truck driver sentenced for distracted driving crash death
• Posted on 8/17/2010Fire truck, tanker truck crash in chain reaction wreck on Ohio I-271
• Posted on 6/24/2010One dead, two injured in Ohio I-70 semi-truck accident
• Posted on 6/22/2010Tractor-trailer tire causes fatal Ohio Turnpike car crash

View More

Library

Truck Accidents

• How Your Own Insurance Can Protect You From Negligent Drivers In Ohio

View More

FAQs

Truck Accidents

• How is an Ohio semi tractor-trailer accident case any different than any other Ohio automobile crash case?
• I was injured in a semi-truck accident caused by a blown tire. Is this negligence or just an unlucky accident?

View More

How Your Own Insurance Can Protect You From Negligent Drivers In Ohio

Many drivers are unaware that their own automobile insurance contains a type of coverage known as Uninsured/Underinsured motorists coverage or "UM/UIM" coverage. UM/UIM coverage, as the name suggests, provides added coverage from your own insurer for injuries sustained at the hands of negligent drivers who are uninsured or underinsured.

As a result of the tough economic times, more and more drivers in Ohio are paying for only state minimum coverage ($12,500.00 per person) or failing to possess automobile insurance at all. In the event that you are injured by a negligent driver who possesses a state minimum policy or no insurance at all, your own insurance company would then step in and cover the amount that your UM/UIM coverage covers above the amount of the negligent party's policy limits.

So, for example, lets say you are stopped at a stop sign when suddenly you are rear ended in a car accident. Let's say it turns out that the person who hit you was only carrying a state minimum policy which only covers up to $12,500.00 of any damage to you that his negligence has caused. So if you had medical bills totaling $40,000.00, his insurance would only be obligated to pay for $12,500.00 of your damages. However, if you carried a UM/UIM policy of $50,000.00, you insurance would step in and pay for your damages above the negligent parties $12,500.00 up to $50,000.00 total.

While no one anticipates getting into a motor vehicle accident, you can never be too sure in today's unpredictable world. This is why it is important to carry a automobile insurance policy with high UM/UIM policy limits. You need to be concerned about being seriously injured by an uninsured or underinsured motorist and protect yourself with UM / UIM coverage.

For more information about this subject go to www.Chesterlaw.com and request a copy of my free Book entitled The Insider's Guide to Handling Ohio Accident Claims. You can also order my free DVD entitled What you should know about motor vehicle injury claims. Both the free Book and free DVD describe in more detail what you need to know to protect your rights NOW.

Call the experienced personal injury attorneys at Chester Law Group today to get the help you want from people you can trust (800) 218-4243

Contact us today for a FREE, NO OBLIGATION consultation about your personal injury legal needs.