If someone wants to drive in Ohio, the law requires them to have auto insurance. Yet that does not stop a lot of people from getting behind the wheel without the mandated coverage.
According to findings from the Insurance Research Council, an estimated 12.4% of Ohio drivers do not have auto insurance. That’s essentially one in every eight motorists, a worrying figure for anyone frequently on the road.
With that in mind, let’s say you are involved in a crash and the other driver does not have insurance to cover your injuries or property damage. What can you do?
Uninsured motorist coverage
If you’re hit by an uninsured driver, arguably the most reliable path to compensation is through something called uninsured motorist coverage. Twenty states require drivers to have this coverage as part of their auto policy, but in Ohio, it is optional. If you want it, you have to add it.
If you have uninsured motorist coverage and are hit by an uninsured driver, you can file a claim through your own insurance policy to help cover certain costs. Depending on the policy, you may be able to get compensation for medical costs connected to the incident, or potentially property damage. Of course, there will be maximums based on your coverage policy.
If you do not have uninsured motorist coverage, things get harder. You may be able to consider filing a civil personal injury lawsuit against the other driver. However, these cases can take a long time to resolve, and the other party may not have nearly enough money to cover your bills. The outcome is very dependent on the situation.
Dealing with the insurance company
Unsurprisingly, insurance companies are not keen to give up more money. Even if you have uninsured motorist coverage, dealing with your insurance can be difficult. They are often looking to protect their profits, not offer you what is fair. It can be beneficial to have experienced legal support to help guide you through the process.
Every driver should have auto insurance, but the reality is, many do not. Prepare accordingly.