What Happens If the At-Fault Driver Has No Insurance in Ohio?
Car insurance is essential in Ohio to cover medical bills, vehicle repairs, and other accident-related expenses. But what happens when the at-fault driver doesn’t have insurance? Without coverage, recovering compensation can become challenging, leaving you with unexpected financial burdens.
If you’ve been in an accident with an uninsured driver, you may still have options to recover damages. At Amourgis & Associates, Attorneys at Law, our experienced Ohio car accident lawyers help accident victims understand their rights and pursue maximum compensation. Contact us today for a free consultation to explore your legal options.
Ohio’s Uninsured Motorist Laws
Ohio law requires all drivers to have car insurance or prove financial responsibility. The two legal ways to comply are:
- Minimum Car Insurance Coverage: Ohio requires at least $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability.
- Proof of Financial Responsibility: Instead of insurance, drivers can post a $30,000 bond with the Bureau of Motor Vehicles (BMV) or obtain a certificate of self-insurance.
Not carrying insurance is illegal in Ohio. Uninsured drivers risk license suspension, fines, and further penalties if involved in an accident.
How to Recover Compensation After an Accident With an Uninsured Driver
If the at-fault driver in your accident doesn’t have insurance, you may still have options to seek compensation:
1. File an Uninsured Motorist Claim With Your Insurance
If you have uninsured motorist coverage, your insurer can help pay for medical bills, lost wages, and vehicle damage. While Ohio doesn’t require uninsured motorist coverage, it’s a valuable option if you’re involved in an accident with an uninsured driver.
2. Use Your Health Insurance
Your health insurance may cover medical expenses related to the accident. However, deductibles, co-pays, and policy limits may apply, making it essential to explore other avenues for compensation.
3. File a Personal Injury Lawsuit Against the Uninsured Driver
You may sue the at-fault driver for damages, but collecting compensation can be difficult if they lack assets. A skilled car accident attorney can evaluate your case and determine whether a lawsuit is a viable option.
Steps to Take After an Accident With an Uninsured Driver
To protect your rights and improve your chances of recovering compensation, follow these crucial steps after a crash with an uninsured driver:
- Exchange Information: Get the driver’s name, license plate number, and contact details.
- Be Cautious if They Try to Flee: Uninsured drivers may attempt to leave the scene to avoid penalties.
- Call the Police: Law enforcement will document the accident and file an official report.
- Gather Evidence: Take photos of the accident scene, vehicle damage, and any injuries.
- Seek Medical Attention: Even if you feel fine, see a doctor to check for hidden injuries.
- Document Your Losses: Keep records of medical bills, lost wages, repair costs, and other accident-related expenses.
- Consult an Ohio Car Accident Attorney: An experienced lawyer can help you explore your options and fight for the compensation you deserve.
Contact an Ohio Uninsured Motorist Attorney Today
If you were injured in an accident with an uninsured driver, don’t navigate the legal process alone. Amourgis & Associates, Attorneys at Law, is here to help you recover compensation for your injuries and losses. Contact our Akron car accident attorneys today for a free consultation to discuss your case and legal options.
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At Amourgis & Associates, Attorneys at Law, we only represent consumers. We fight for regular people who have been seriously hurt in accidents. We fight for people who are being crushed by overwhelming debt and need a fresh start. We fight for individuals and families. Never businesses. Never insurance companies. We are loyal to the consumer.
