Legal Question in Insurance Law in Ohio
Uninsured motorists insurance liability
I was invloved in a motorcycle accident. The other driver was cited. He does not have insurance. My Harley has been totaled by my insurance co through the uninsured motorsist policy I have. I do not want it totaled. The insrance co. would save $2800.00 by paying the repair cost. Do I have to accept their totaling of the bike? And is uninsured motorists insurance responsible for my lost wages? I suffered a broken left toe and two bones broke in my right foot and have been off work for a month.
Thank you.
1 Answer from Attorneys
Re: Uninsured motorists insurance liability
You might try asking your insurance company to allow you to keep the motorcycle, and they will deduct the "salvage value" from what they pay you in damages.
As for payment of your own pain & suffering and lost wages, it depends on the language of your policy - but, in general, if you have uninsured motorist coverage, your company is liable to pay you what the negligent person would be responsible for (medical expense, pain & suffering, lost income, permanent injury, etc.), if you filed a claim or lawsuit. You need to have your policy reviewed by legal counsel. Call if we can help. 1-800-628-8989
Related Questions & Answers
-
Life Insurance Company Refusal to Pay My husband passed away 5 years ago. As I was... Asked 8/17/04, 2:46 pm in United States Ohio Insurance Law
-
Baseball damage My son threw a baseball and it hit a windshield. The car that was... Asked 7/08/04, 2:05 pm in United States Ohio Insurance Law
-
Hail Damage Follow Up Thank you for replying. So the insurance agent couldn't drop... Asked 6/29/04, 5:02 pm in United States Ohio Insurance Law
-
Must I use hail damage claim check to repair? I had some hail damage to my car, and... Asked 6/29/04, 2:10 pm in United States Ohio Insurance Law
-
Excluded under policy A member of my household that is named as excluded under my... Asked 6/07/04, 9:56 am in United States Ohio Insurance Law