Car Accident At Fault Driver Lacks Auto Insurance

What happens if I got in a car accident with someone who does not have auto insurance?

Uninsured Motorist Insurance Coverage

Being in a car accident is stressful enough, but when the at-fault driver doesn’t have insurance, the situation can feel even more overwhelming. If you find yourself in this position in Ohio, you may wonder how you will recover damages for medical expenses, lost wages, and vehicle repairs. Fortunately, there are options available to protect yourself and ensure you receive the compensation you deserve.

Ohio’s Insurance Requirements

Ohio law requires all drivers to carry a minimum amount of liability insurance:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage

Unfortunately, not all drivers follow the law, and some drive without any insurance at all. When these uninsured drivers cause an accident, it creates a financial and legal challenge for the victim.

Steps to Take After an Accident with an Uninsured Driver

If you are in an accident with an uninsured driver, follow these steps to protect your rights:

1. Call the Police – Always report the accident to law enforcement. A police report will document the uninsured driver’s status, which may be important for your claim.

2. Gather Evidence – Take photos of the accident scene, damage to all vehicles, and any visible injuries. Collect contact information from any witnesses.

3. Seek Medical Attention – Even if you don’t feel seriously injured, visit a doctor as soon as possible to document any injuries that may arise later.

4. Notify Your Insurance Company – Report the accident to your insurance provider and inquire about your uninsured motorist coverage.

5. Consult a Personal Injury Attorney – A lawyer can help you explore your legal options and ensure you receive the compensation you need.

How Can You Recover Compensation?

If the at-fault driver does not have insurance, your ability to recover damages will depend on your own insurance coverage and potential legal options.

• Uninsured Motorist (UM) Coverage

Uninsured motorist coverage is an optional add-on to your auto insurance policy. If you have this coverage, your own insurance company will pay for your medical expenses and lost wages up to your policy limits. In Ohio, insurers must offer UM coverage, but drivers can reject it in writing.

• Medical Payments (MedPay) Coverage

MedPay is another optional insurance feature that helps pay for medical expenses regardless of who is at fault. This coverage can provide immediate relief for medical bills while you explore other compensation options.

• Collision Coverage

If you have collision coverage, your insurance company can cover vehicle repair costs, even if the at-fault driver is uninsured. However, you may have to pay a deductible.

• Filing a Lawsuit Against the At-Fault Driver

In some cases, you may be able to file a lawsuit against the uninsured driver to recover damages. However, many uninsured drivers lack the financial resources to pay a settlement, making this option less effective.

What If the Driver Has Insurance but Not Enough Coverage?

If the at-fault driver has insurance, but their policy limits are too low to cover your expenses, underinsured motorist (UIM) coverage can help. This coverage kicks in when the other driver’s insurance is insufficient to cover your medical bills and other damages.

Why You Need a Personal Injury Attorney

Navigating an accident with an uninsured driver can be complex. An experienced personal injury attorney can help you:

• Determine available insurance coverage
• File claims with your own insurance provider
• Negotiate a fair settlement
• Take legal action if necessary

Protect Yourself Before an Accident Happens

The best way to protect yourself from uninsured drivers is to review your auto insurance policy and consider adding uninsured/underinsured motorist coverage. This coverage can provide peace of mind and financial protection in the event of an accident with an uninsured driver.

Underinsured Motorist Property Damage

Being hit by an uninsured driver can be frustrating and financially stressful, but you have options. If you or a loved one has been injured in a car accident caused by an uninsured driver, contact an Ohio personal injury attorney to discuss your rights and ensure you receive the compensation you deserve. For a free consultation, contact McKenzie & Snyder today.

Free Auto Accident Case Evaluation

Regardless of the details of your car or truck accident, call McKenzie & Snyder LLP today and receive a free evaluation of your auto accident. This post is advertising, it is not to be construed as actual legal advice. For actual legal advice speak to a car accident attorney at McKenzie & Snyder to discuss your particular injury and your individual case.