Car Insurance Disputes in Ohio

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Ohio Car Insurance Disputes

When you have been involved in a car accident in the state of Ohio, you may need to file a claim with your insurance provider. Automotive insurance policies are intended to repay victims following a motor vehicle crash. 

Many auto insurance claims are handled appropriately and result in the policyholder receiving the money they need. Unfortunately, insurance companies sometimes delay, devalue, or deny the claims of car crash victims. 

If you have been treated unfairly by an insurance provider in the aftermath of a collision, you will likely face significant financial burdens. Accident and injury victims may be left with skyrocketing medical bills, property damage, and other losses incurred from the incident. 

Fortunately, victims of unfair insurance company practices can seek legal recourse. Those who are involved in car insurance disputes in Ohio should reach out to a trustworthy attorney at America's largest tort law firm­, Morgan & Morgan.

The car insurance dispute lawyers at Morgan and Morgan have years of experience fighting successfully for clients in Ohio. Our legal team has the skills and specialized knowledge to effectively take on tight-fisted insurance corporations.

When you are owed payment following a valid car insurance claim, do not hesitate. Reach out to the accomplished car insurance dispute attorneys at Morgan and Morgan to discuss the facts of your case. When you fill out our online contact form, we will happily schedule a free consultation for you.

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Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.

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  • Understanding Different Categories of Car Insurance Coverage

    There are many possible car insurance disputes in Ohio because there are several different kinds of coverage. Policyholders may be covered for several types of costs and losses. Some of the most common include:

    Liability for Physical Harm and Property Damage

    Liability coverage is intended to pay for the costs of any accident caused by the policyholder. In the state of Ohio, motorists are legally required to hold liability coverage. 

    The following amounts of liability coverage are mandated by state law: 

    • $25,000 for vehicular and other property damage from the accident
    • $50,000 for injuries or deaths of multiple people
    • $25,000 for each person sustaining injuries or death 

    Failing to hold this type of coverage makes it illegal to operate a motor vehicle in the state of Ohio. For questions about liability coverage requirements, reach out to the knowledgeable professionals at Morgan & Morgan.

    Medical Costs and Bills

    Car insurance policies often cover medical bills for drivers and passengers. This type of coverage may result in payment, no matter who was at fault for the crash.

    Personal Injury Protection (PIP) Insurance

    Ohio does not operate on a “no-fault” approach to car accident insurance. This means that personal injury protection (PIP) policies are optional for motorists.  

    If you choose to purchase PIP insurance, you may be able to claim the following types of losses from your Ohio car accident: 

    • Missed income and lost wages
    • Rehabilitation costs and physical therapy
    • Funerary expenses, in the case of death
    • Childcare costs 

    These are only a few examples of the damages available to PIP policyholders. The accomplished team at Morgan and Morgan can help you review your policy during car insurance disputes in Ohio.

    Collision Coverage

    This type of insurance covers the damage to your car or truck resulting from a collision with another vehicle. This type of coverage is not legally required under Ohio state law. 

    Still, the terms of vehicular leasing agreements or loans may require the purchase of collision coverage. 

    Comprehensive Coverage

    Some loan agreements require borrowers to purchase comprehensive coverage. This type of policy covers the following categories of losses: 

    • Vandalism
    • Theft
    • Damage not resulting from an accident 

    While some private agreements might require comprehensive coverage, it is not legally mandated.

    Uninsured Motorist Coverage

    While Ohio State law requires all drivers to carry liability insurance, many violate this law. If you have been involved in a collision with an uninsured or underinsured motorist, this type of coverage can help. 

    If the driver who caused the crash does not have adequate coverage to pay for all of your losses, you can file an uninsured motorist coverage claim. Unfortunately, insurance providers do not always offer adequate payment following a valid motor vehicle collision claim. 

    Successfully handling car insurance disputes in Ohio requires specialized legal knowledge and skills. The accomplished legal team at Morgan and Morgan can handle car insurance disputes in Ohio that take any form. 

    Insurance adjusters have a financial incentive to downplay and devalue every claim that is filed. These corporations boost their bottom line by denying payment to policyholders. 

    When you have been unfairly dealt with by an uncooperative corporation, a seasoned insurance dispute lawyer will fight for you. You should not be left with the costs and losses from an accident for which you bought coverage.

  • Common Insurance Adjuster Strategies

    Insurance providers typically market themselves as focused on the needs of policyholders. But in the aftermath of an Ohio car accident, it may be difficult to recover the money you need. 

    Consumers often forget that insurance providers are for-profit private businesses. For this reason, their financial interests are usually at odds with policyholders who file claims. 

    That is why adjusters are usually trained in a wide variety of tactics for dealing with accident victims. Insurance company representatives will typically attempt to limit, devalue, or deny the benefits that you receive. 

    Some of the most common insurance adjuster tactics include: 

    • Offering an inadequate settlement to close the claim quickly
    • Pressuring you to accept an offer without contacting a lawyer
    • Arguing about who is at fault to reduce or deny benefits
    • Pressuring you to provide a recorded statement
    • Asking you to sign waivers to reduce your compensation 

    Do not allow insurance adjusters to deny you the money you deserve by using these tactics. It is critical to speak with a seasoned legal professional before agreeing to a car accident settlement in Ohio. 

    The experienced litigators at Morgan and Morgan know exactly how to counter these common insurance company strategies. We will fight diligently to secure the insurance payout that you need to get your life back on track.

  • Disputing a Car Accident Insurance Decision

    If an insurance provider wrongfully denies or devalues your accident, you have the right to dispute the decision. Some claimants decide to contact the insurance corporation directly to resolve the issue. 

    But when no appropriate resolution can be reached, you should secure the services of a legal representative. A lawyer can walk you through the process of contacting the Ohio Department of Insurance. 

    This organization reviews the circumstances of complaints against private insurers. While this department can be helpful for consumers, the Ohio Department of Insurance cannot: 

    • Dispute insurance claims involving only verbal evidence
    • Provide legal guidance or oversee a lawsuit
    • Acquire medical judgments requiring unnecessary medical tests or visits 

    Fortunately, the accomplished car insurance dispute attorneys at Morgan and Morgan can do all of the above. We will thoroughly assess the facts of your case and help you effectively pursue the coverage payments that you need.

  • How Will Morgan & Morgan Help in My Car Insurance Dispute Case?

    When you have a dispute involving a large automotive insurance provider, you may be uncertain about how to proceed. Speaking with a seasoned tort attorney will give you the best chance of securing a positive outcome. 

    Hiring the skilled team at Morgan and Morgan guarantees that the following elements of your insurance dispute case will be handled with care: 

    • Obtaining police accident reports and relevant medical records
    • Securing legal evidence to highlight the validity of your claim
    • Determining legal liability in your car accident or injury case
    • Speaking with insurance and accident specialists if needed
    • Calculating the total value of your insurance claim
    • Determining whether the provider in question treated you unfairly
    • Forcefully negotiating with insurance corporation representatives
    • Filing a lawsuit against the coverage provider if necessary

     As America's largest tort law firm, Morgan and Morgan is home to more than 700 attorneys with plenty of trial experience. 

  • Do I Need to Hire a Law Firm With Significant Resources at Their Disposal?

    In the case of an insurance dispute case, yes. It is critical to hire a law firm with plenty of resources. 

    These claims often involve taking on large insurance corporations. These companies typically have enormous resources available to protect their interests. 

    Sometimes, insurance companies will drag out the process of settling a dispute in hopes that the claimant will give up. Do not let this happen in your case. 

    The resilient legal professionals at Morgan & Morgan will leverage our firm’s resources to fight for you. We will not allow an unscrupulous insurance provider to outwait us. 

    We will continue to pursue the compensation you need for as long as it takes. Our attorneys know what is needed to secure justice for our clients.

  • How Does Morgan and Morgan Handle Payments?

    Like most trustworthy tort law firms, the skilled team at Morgan & Morgan is paid using a contingency fee approach. With this payment method, clients can pursue justice in their car insurance dispute cases regardless of their financial status. 

    Contingency fees are dependent on your legal representative recovering compensation for you. When you hire our firm, we will provide legal services in exchange for a portion of the financial recovery in your case. 

    Unless we settle or successfully try your car insurance dispute case, our attorneys do not get paid. In other words, you will not pay anything unless you get money as a result of your claim. 

    You should not hire an attorney who demands you pay them before they conclude your claim. The compassionate professionals at our firm believe that every accident victim deserves to pursue justice.

  • Speak With a Car Insurance Dispute Attorney at Morgan and Morgan

    When you need legal representation in the state of Ohio, reach out to the trustworthy legal experts at Morgan & Morgan. Since our firm’s founding, we have fought persistently to defend the rights of accident and injury victims.  

    Hiring a Morgan & Morgan tort lawyer will guarantee that you have the highest likelihood of securing a positive outcome in your insurance dispute case. Whether your claim has been wrongfully denied or undervalued, our knowledgeable Ohio legal team can help. 

    We will fight to recover compensation for the medical bills, lost wages, and property damage you have experienced. To get started, complete the simple online contact form on our website.  

    Our friendly staff will be happy to arrange a no-cost legal case evaluation with one of our attorneys. Let the professionals at Morgan and Morgan help you seek the money to which you are entitled.

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“I was in a difficult situation when I was injured by a faulty product. I was hesitant to seek legal help but with the help of Morgan & Morgan, they made the process easy. They took immediate action and got me the compensation I deserved. I couldn't have done it without them. I highly recommend their services.” Estate of Patricia Allen v. RJ Reynolds, et al. | 2014

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