What Happens If You’re Hit by an Uninsured Driver in Ohio?
Getting into a car accident is stressful enough, but discovering that the at-fault driver does not have insurance can make the situation even more complicated. Ohio law requires all drivers to carry liability insurance, but unfortunately, many motorists either fail to comply or have insufficient coverage. If you were hit by an uninsured driver in Ohio, understanding your options can help you recover compensation for your losses.
At Kitrick, Lewis & Harris, our Ohio car accident lawyers know how frustrating it can be to deal with an irresponsible driver. Not only did their negligence hurt you, their choice to break the law and not have insurance further complicates things. We know how to seek the compensation you deserve.
Ohio’s Insurance Requirements
Ohio law mandates that all drivers carry minimum liability insurance, which includes:
- $25,000 for injury or death per person
- $50,000 for injury or death per accident
- $25,000 for property damage
Despite these requirements, some drivers operate vehicles without insurance, leaving accident victims wondering how to cover medical bills, lost wages, and vehicle repairs.
Options for Recovering Compensation When Dealing with an Uninsured Driver
If the at-fault driver is uninsured, you still have several options to seek financial recovery:
1. File a Claim Through Your Own Insurance
If you have Uninsured Motorist (UM) Coverage, you can file a claim with your own insurance provider. UM coverage helps pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Vehicle damage (if you have uninsured motorist property damage coverage)
UM coverage is optional in Ohio, but highly recommended. If you are unsure whether you have it, check your policy or contact your insurance provider.
2. Sue the Uninsured Driver
Since Ohio is an at-fault state, you have the right to sue the negligent driver for damages. However, uninsured drivers often lack the financial resources to pay a settlement. If the driver has assets, such as property or business income, a lawsuit may be a viable option.
3. Identify Other Liable Parties
Depending on the circumstances, you may be able to hold additional parties responsible, such as:
- A bar or restaurant that overserved a drunk driver (dram shop liability)
- A vehicle manufacturer if a defect contributed to the crash
- A municipality for dangerous road conditions or missing signage
An experienced attorney can help investigate potential third-party liability.
Steps to Take After an Accident with an Uninsured Driver
If you were hit by an uninsured driver, follow these steps to protect your rights:
1. Call the Police
Always report the accident to law enforcement. A police report serves as crucial evidence when filing an insurance claim or lawsuit.
2. Gather Evidence
Collect as much information as possible, including:
- Photos of the accident scene and vehicle damage
- Contact information for witnesses
- Medical records documenting your injuries
3. Notify Your Insurance Provider
Inform your insurer about the accident as soon as possible. If you have UM coverage, they will guide you through the claims process.
4. Consult a Personal Injury Attorney
An Ohio personal injury lawyer can help you explore legal options, negotiate with insurance companies, and determine the best course of action for recovering compensation.
Get Help After a Serious Car Accident in Ohio
Being hit by an uninsured driver in Ohio can be infuriating, but you still have options for financial recovery. Whether filing a UM claim, pursuing a lawsuit, or identifying third-party liability, taking the right steps can help you secure compensation for medical bills, lost wages, and vehicle repairs. If you are facing challenges, consulting an Ohio personal injury attorney can provide the guidance needed to protect your rights.
Our team at Kitrick, Lewis & Harris are highly experienced car accident lawyers who represent clients in Columbus and the surrounding areas. Contact us today for a consultation of your case.
