Hit-and-run accidents are too often very serious affairs that leave victims seriously injured or dead. In many cases, a hit-and-run will involve a vehicle striking a pedestrian and then leaving the scene of the car accident.
While people may think it is relatively easy to track down a driver who leaves the scene of either an injury accident or a fatal collision, such is not the case.
In fact, some recent statistics suggest that police around the country solve just over 10% of all such cases.
Moreover, in this context, police solve the case when they identify a suspect; prosecutors may elect not to charge the suspect with a crime, or the person may be able to avoid a conviction.
This presents a huge problem for Ohio victims and their families as they then may have no one to hold financially responsible for their medical bills, lost wages and other expenses and losses.
Fortunately, if a resident of Dayton purchased uninsured motorist coverage from their own automobile insurance company, then they may be able to have their insurance company pay them a portion or even all of the compensation they are owed.
Uninsured motorist coverage can help in other types of cases too
Uninsured motorist coverage can also be a lifesaver in accidents that are not hit-and-runs. For example, many drivers unfortunately choose to illegally drive without insurance.
If they do so and seriously injure or kill a victim, they may have no way of paying compensation even if they wanted to. Uninsured motorist coverage can serve as a fallback for victims in these situations as well.
Insurance companies will not often rubber stamp uninsured motorist claims, though, and sometimes they may even deny, low-ball or delay payment on a claim without a good reason. This is why it is a good idea to pursue uninsured motorist benefits with the assistance of legal counsel.