How To Present An Uninsured and Underinsured (UM/UIM) Motorist Claim In Ohio

Ohio car collision attorney, Scott Kuboff, discusses how to present an uninsured and underinsured (UM/UIM) motorist claim in Ohio.

If you have sustained an injury in a motor vehicle collision, please contact Scott for a no cost, no obligation consultation and case evaluation.

Can My Auto Insurance Increase for Filing An Uninsured/Underinsured (UM/UIM) Motorist Claim?

Ohio car collision attorney, Scott Kuboff, discusses R.C. 3937.23 and whether insurance companies can raise your rates simply because you filed an uninsured/underinsured (UM/UIM) claim.

Under Ohio law – specifically 3937.23 – insurance companies cannot raise your rates simply because you were involved in a collision with an uninsured or underinsured motorist provided:

  • You were not at fault for the collision AND

  • You were not convicted of any violation of law as a result of the collision

If you have sustained an injury in a motor vehicle collision, please contact Scott for a no cost, no obligation consultation and case evaluation.

Why Having Full Coverage Auto Insurance May Not Be Enough

Ohio car collision attorney, Scott Kuboff, discusses what "full coverage" means, what it covers, what it does not, and why you may want to take a close look at your auto insurance policy now.

In addition to appropriate collision/comprehensive coverage for your motor vehicle, it is recommended that you carry a minimum of:

  • Liability Coverage: $100,000 per person/$300,000 per occurrence

  • Uninsured/Underinsured Coverage: $100,000 per person/$300,000 per occurrence

  • Medical Payment Coverage: $5,000

If you have sustained an injury in a motor vehicle collision, please contact Scott for a no cost, no obligation consultation and case evaluation.

Can My Auto Insurance Increase for a No-Fault Collision?

Ohio car collision attorney, Scott Kuboff, discusses R.C. 3937.22 and whether insurance companies can raise your rates simply because you were involved in one collision during the policy period that was NOT your fault.

Under Ohio law – specifically R.C. 3937.22 – insurance companies cannot raise your rates simply because you were involved in ONE collision during the policy period provided:

  • You were not at fault for the collision AND

  • You were not convicted of any violation of law as a result of the collision

If it was your 2nd or 3rd collision during the policy period, were at fault, or otherwise convicted of some traffic offense, your rates can increase. 

If you have sustained an injury in a motor vehicle collision, please contact Scott for a no cost, no obligation consultation and case evaluation.