November 22, 2017
Thanksgiving is a wonderful time of the year. From the parade, to bad football, to uncomfortable political talks, Thanksgiving truly gives us an opportunity to bond and grow with our family in ways we simply can’t do any other time of the year. There truly is nothing more special in this world than being able to sit down with your family at a table, appreciate each other and all your respective blessings, and then feasting upon a delicious meal. And then, after the meal is finished and the mood has settled, we all perhaps get to take part in the most important Thanksgiving tradition of all: taking a nap. Upon completion of said nap, we are then able to shift our focus upon the upcoming holiday season, and venture out into the world to partake in Capitalism’s greatest bastion of Consumerism: I am of course talking about Black Friday.
So you pack up your car, drive to the nearest store, and then enter a chaotic world where everyone is fighting to get the best deal. And after hours of fighting with other consumers over the hottest new products and dealing with egregiously long lines, you finally leave the store triumphantly—with the spoils from your conquest secured in your shopping cart—only to find that your beloved vehicle has been damaged in an apparent Hit-and-Run. And even worse yet, the tortfeasor left no note with any of their insurance information.
If this unfortunate situation occurs to you, it is important for you to understand your rights under your insurance policy. Under Ohio Law, it is mandatory for you to retain something called liability coverage under your policy. Liability simply means that if you’re in an accident, and you were the one at-fault, then your insurance will cover and protect you regarding claims that are filed against you. However, in the above scenario, you’re not the one at-fault; you weren’t even in the car when the collision occurred. To protect yourself in the situation described above, it is IMPERATIVE that you also purchase and/or retain collision coverage under your policy. With collision coverage, your insurance will pay for your vehicle to be repaired, after you pay a deductible. The deductible you pay is NOT a penalty—but the collision damage repair amount that you agree to be responsible for before your insurance will pay for your damages.
Finally, all though it may be a long shot, all hope in finding the tortfeasor that caused your damage is not completely lost. Before driving away from the scene of the collision, scour the area to see if there were any witnesses that may have witnessed the accident. Often times, good Samaritans who witness hit-and-runs will stick around and try to help. Also, look around in the parking lot to see if you see any video cameras; it is quite possible that the accident could have been caught on video, which would allow the police department to work in conjunction with the store to hopefully find the culprit who caused your damage.
With the declining weather conditions and increasing number of vehicles on the road, it is important to protect yourself as much as possible in the unfortunate event that scenarios like the one described above occur. Please check your insurance policy and make sure you are fully protected. Our firm hopes you have a blessed and joyous holiday season, and wish you and your family nothing but happiness in 2018.
Attorney Jacobs believes that everyone deserves a lawyer and always strives to achieve the best available legal outcomes for his clients. Attorney Jacobs cannot make promises as to what legal outcome he will be able to achieve for his clients; however, Attorney Jacobs can promise you that the care and concern he will show for you and your legal needs will be second to none. If you sustained a personal injury, the law firm of Daniel L. Jacobs Jr. LLC and Attorney Jacobs are here to assist you.
If you have any questions about financial compensation for an injury sustained in an accident or during a medical procedure, schedule a free consultation with one of our attorneys.
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