Insurance Coverage for Motor Vehicles

by NPHM | July 10th, 2020

Your auto insurance coverage is supposed to protect you from the costs of an accident. Our Ohio auto accident attorneys recommend that all our clients review their auto insurance policies, so they know what kind of coverage they have.

There are a variety of types of auto insurance coverage, which may include:

  • Liability Insurance: Coverage that helps cover the cost of injuries and property damage to third parties—not yourself.
  • Personal Injury Protection (PIP): A type of medical payments coverage, which helps pay for the cost of medical care—for you, family members living in your home, and drivers authorized to drive your car—that results from your accident.
  • Physical Damage Insurance: Coverage designed to protect your vehicle, whether it is moving or parked.
  • Underinsured Motorist Protection: Money you get from your own insurance company to cover your damages that are not covered by the other person’s policy.
  • Uninsured Motorist Protection: Coverage from your own insurance company that is used if the person at-fault in an auto accident has no insurance.

Personal Injury vs. Property Damages

When you have an auto accident that causes you injury, you probably have a claim for damage to your car that is handled separately from claims for physical injury suffered by you or your family members riding in the car with you.

 

Personal Injury Claim Property Damage Claims
  • Current and future medical expenses
  • Lost wages
  • Pain and suffering
  • Permanent injuries or scarring
  • And more
    • Repairs to or replacing your car
    • Towing expenses if your car can’t be driven
    • Rental car expenses while your car is being repaired or replaced
    • Damage to personal items inside the car
    • Damage to other property cause by the accident

Your insurance policy may cover some of these damages. It is the job of your auto accident attorney to hold the at-fault party, or responsible driver, accountable for the injuries you sustained. Without an attorney on your side, you may not receive the full amount of compensation you are owed.

In most cases, the at-fault party is responsible for covering the costs associated with your property damage claim. If that driver doesn’t have insurance or doesn’t have enough insurance to cover the cost of the damages, your insurance may have to cover these costs.

Requirements and Minimums

In the state of Ohio, it is illegal to drive a car without insurance or proof of financial responsibility (FR). Drivers who purchase auto insurance must also have minimum liability coverage. 

  • Bodily Injury Liability Coverage: You must carry a minimum of $12,000 per person injured in any one accident and $25,000 for all persons injured in any one accident.
  • Property Damage Liability Coverage: You must carry a minimum of $7,500 for injury or destruction of property of others in any one accident.

Remember, these are the minimum requirements. If you don’t have enough coverage, you may be responsible for additional costs. An auto accident attorney from Nurenberg, Paris, Heller & McCarthy can help you navigate your insurance coverage. Call us today (216) 230-6352 or complete a free initial consultation form.