FAQs On Auto Liability Coverage

Chances are, you tried to understand the basics of the auto insurance policy you own and left the detailed language alone. Even if you did read it, it was prepared by an attorney at the insurance company who carefully crafted the language according to the law of your state, it was not written to provide clear information to you. And even if you did understand the language, you may not have understood the importance of certain insurance policies, opting for lower monthly payments instead of more coverage. This is true even if you opted for “comprehensive coverage.”

What Does Your Policy Cover?

One of the biggest sources of misinformation for our clients is about insurance policy coverage. Many people believe they are covered if they are in an accident. Yet state minimum insurance coverage in Ohio, Kentucky and Indiana varies, and usually does not cover nearly enough in serious accidents.

That is why we are here. We want all of our clients to be informed. We protect your legal rights aggressively. We pursue maximum compensation from every source after you have been in an accident, whether it is from a negligent driver’s insurance, your own insurance, or an individual or business.

One of our main priorities is telling our clients their legal rights. We speak to clients in clear, honest language without resorting to technical language. You have to proactively assert your rights in the legal system, and that begins with knowing what they are. We are here to provide you the information you need.

Insurance and legal matters involving car accidents are complicated and vary by state and individual circumstances. There is no substitute for speaking to an experienced personal injury lawyer about your case and legal rights. You can call us for a free consultation at our Cincinnati, Ohio, office at 513-823-3257.

You can also find answers to frequently asked questions below.

FAQs On Auto Liability Coverage

  • What is underinsured/uninsured motorist coverage? UM/UIM coverage is your own policy coverage that compensates you if the at-fault driver is uninsured. Uninsured motorists continue to be a problem on the road, particularly drivers who have a revoked or suspended license but continue driving.
  • What is gap insurance? If your vehicle is totaled in an accident, you may owe more on the car than it was worth. Gap insurance makes up the difference between the fair market value of your car and what you owe to the bank on it.
  • What is personal injury protection? In Kentucky, the law forces insurance companies to provide personal injury protection, which gives policyholders an automatic $10,000 if injured in an accident, regardless of fault. It is optional in Ohio. Without this coverage, you may have to pay for medical bills upfront.
  • What happens if the driver who injured me does not have medical payments coverage? Medical payments coverage is an optional policy in Ohio that provides for medical payments in addition to liability protection. Medical payments will cover your medical expenses regardless of fault. Otherwise, you might have to pay the costs of your medical treatment upfront.

We Are Here To Help. Call Us For A Free Consultation.

Wondering where to send your medical bills to after an accident? Are you unsure who is at fault for the accident? Call The Law Offices of Arnold S. Levine, L.P.A., to schedule your free initial consultation at 513-823-3257 or reach us online here.