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

Blog

Auto Accidents

• Muskingum County Ohio Car Accident Attorney | 15-Year-Old Girl Injured in Muskingum Ohio Accident
• Pike County Ohio Auto Accident Lawyer | 55-Year-Old Woman Sustained Injuries in Sunfish Ohio Car Accident
• Portage County Ohio Car Accident Attorney | Motor Vehicle Crash Injures 17-Year-Old Girl in Randolph Ohio
• Warren County Ohio Personal Injury Attorney | Turtle Creek Ohio SUV Crash Injures 57-Year-Old Woman

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News

• Posted on 9/9/2010Cleveland School Bus Driver Arrested After Drunk Driving Crash
• Posted on 9/3/2010Ohio drivers are among the safest in the United States
• Posted on 7/18/2010Man killed in Lorain County motorcycle crash
• Posted on 7/7/2010Lorain man killed in DUI scooter crash

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Library

Auto Accidents

• Aggravation of a Pre-Existing Condition in an Ohio Personal Injury Case

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FAQs

Auto Accidents

• I was injured in an Akron car crash while I was driving a relatives car. Whose insurance policy covers my injuries and the damage to the car?
• I was injured in a Cleveland car crash. When should I contact an attorney?
• I was injured in a Cleveland car crash. When should I contact an attorney?

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Will My Insurance Company Raise My Rates If I Make a UM/UIM Claim For My Ohio Car Accident?

Maybe people are surprised when they find out that they have been paying extra premiums to their automobile insurer for uninsured/underinsured (UM/UIM) coverage. This extra coverage acts as a supplement if you are involved in a car accident, truck accident, or motorcycle accident and the person who hit you either does not have automobile insurance to cover your damages or has a low limit policy. For example, if you carry underinsured coverage for $50,000.00 and the person who hit you only has liability insurance which covers $12,500.00 (Ohio's state minimum), then your insurance would be liable for $37,500.00 of your damages above and beyond the $12,500.00 if the damages amount to $50,000.00 or more. You pay extra in your premiums for this added protection in the event you are injured in a car or automobile accident in Ohio. In other words, when you make a claim against your own insurance company for UM/UIM benefits, you are seeking to obtain the compensation which you have been paying for. Ohio law prevents your insurance company from raising your premiums for making a claim against your insurer for UM/UIM benefits. Again, this is because you are only asking your insurance company to provide to you what you have already paid for. This does not mean that the insurance company will not attempt to raise your rates for some other alleged reason.


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.

In his new consumer handbook, The Insider's Guide to Handling Ohio Accident Claims, author and Ohio personal injury lawyer David M. Chester gives consumers a rare look at the injury claim process in Ohio. From his position as an experienced "insider,” Attorney Chester explains in simple, easy to understand language, what consumers must know to protect themselves while walking in the mine field of dealing with insurance companies.

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

Videos

Auto Accidents:

• What Your Insurance Covers Explained by Ohio Personal Injury Attorney
• Ohio Personal Injury Attorney Discusses Property Damage to Your Car
• Ohio Personal Injury Attorney Explains Details of Rental Cars
• If You Have Lost Wages From Work Ohio Personal Injury Attorney Says Make Sure You Have a Doctor’s Excuse
• Ohio Personal Injury Attorney Explains How Auto Insurance Companies Work

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