The Two Sides to Uninsured and Underinsured Motorist Coverage July 18, 2012.

Two of the most important types of optional car insurance an Ohio driver can carry are uninsured and underinsured motorist coverage. These additions to your policy could make the difference between a full settlement and losing out on compensation you need to cover your damages.

There are two sides to these types of coverage: bodily injury and property damage. If you carried these types of coverage on your car insurance policy prior to your accident, it will help in the following ways:

• Uninsured motorist bodily injury – covers injuries, damages, or death sustained by yourself and your passengers, if the other driver does not have insurance or flees the scene.
• Uninsured motorist property damage – covers the damages done to your property in the accident, such as your vehicle and its contents, if the other driver does not have insurance or flees the scene.
• Underinsured motorist bodily injury – covers injuries, damages, or death sustained by yourself and your passengers when the other driver’s insurance limits are not enough to cover your expenses.
• Underinsured motorist property damage – covers the damages done to your property in the accident, such as your vehicle and its contents, when the other driver’s insurance limits are not enough to cover your expenses.

While you are recovering from your injuries and losses after a serious car accident, you won’t want to have to deal with how car insurance may impact your ability to collect compensation. A Cleveland car accident attorney can help handle these details for you, especially if you lack the four types of optional coverage that can factor in to your car accident injury claim.

While you can’t add additional coverage to support a recent car accident claim, you can find help to pursue additional methods of compensation. A Cleveland car accident attorney from Mellino Law Firm, LLC is here to help you maximize the settlement you are entitled to when another driver’s negligence causes you serious injury.

The legal team at Mellino Law Firm, LLC has been helping clients in the Ohio area seek justice when another’s negligence causes them serious harm or losses. If you or a loved one has experienced personal injury or death from a car accident, contact us for a free consultation about your case at (440) 333-3800.