Uninsured / Underinsured Cases


Statistics suggest that as many as 20% of U.S. drivers are uninsured and approximately 50% carry minimum liability insurance. Considering the extent of injuries that can result and the exorbitant costs and medical expenses that injured parties incur, it is not uncommon for an at-fault driver, whether an uninsured motorist (UM) or underinsured motorist (UIM), to have insufficient coverage to meet the financial burden of the injured victim,

Many people injured in car or motorcycle crashes do not realize that their own insurance policy likely has a UM/UIM provision to cover the excess damages. This provision can be used to supplement the policy limits of the at-fault driver’s insurance coverage. Attorney Richard A. Vadnal has extensive experience negotiating with insurance claims adjusters and carefully presenting each claim, taking into consideration the highly technical details and conditions that may apply. The negotiation and settlement process can be extremely complex, necessitating the involvement of experienced counsel to represent your interests.

Attorney Richard A. Vadnal is well-versed in helping injured parties maximize their recovery, exercising all the opportunities available to ensure that injured victims have the greatest chance of making a full recovery. Call us today to schedule a free consultation.

Representative UM/UIM Cases

  • A young man was killed by a drunk driver while crossing the street in Parma Heights, Cuyahoga County, Ohio. The father, mother, and brother of the young man received a settlement from the drunk driver’s liability insurance policy, as well as from the family’s underinsured motorist carrier. The drunk driver had minimal liability coverage. Fortunately, the victim’s family carried underinsured motorist benefits (UIM) which provided coverage due to the minimal liability insurance of the drunk driver.
  • In Willoughby-Eastlake, Lake County, Ohio, an underinsured motorist claim was made for a client suffering a herniated cervical disc, requiring surgical fusion at the fourth and fifth vertebrae in his neck. The other driver causing the accident had minimal insurance coverage. Fortunately, our client had underinsured motorist coverage (UIM) with large policy limits to help pay for medical bills and lost wages.
  • An Eastlake, Lake County, Ohio man, on his motorcycle suffered massive leg fractures requiring numerous surgeries when he was struck by a drunk driver who fled the scene. The drunk driver did not have liability insurance and had 4 previous OVI (DUI) convictions and was later apprehended by police because witnesses were able to identify the truck and license plate for police. Fortunately, our client carried uninsured motorist coverage (UM) which helped pay for massive medical bills incurred.