Clients are often reluctant to make a claim against their own insurance company for underinsured/uninsured motorist coverage. This is because clients are concerned that if they make a claim, their insurance company will drop them or increase their premiums in the future. However, Ohio law prohibits an insurance company taking actions contrary to the insured for making an uninsured claim.

Ohio Revised Code §3937.23 provides that “No insurer shall increase the cost of a private passenger automobile insurance policy based on the insured’s involvement in a motor vehicle accident with an uninsured or underinsured motorist, when both of the following apply:

(A) The insured’s action is not a proximate cause of any loss, damage, injury, or death arising out of the accident;

(B) The insured has not been convicted of, pleaded guilty to, or pleaded no contest to, a violation of law as a result of the accident.”

If you have been involved in an automobile collision with an uninsured driver or underinsured driver, contact the offices of Scott Mullins & Company today to discuss your rights.