Blog

Accident with an Individual Without Insurance in Ohio

Ohio law requires drivers who purchase automobile insurance to demonstrate Financial Responsibility to have at least $12,500 of Bodily Injury or Death Liability Coverage per person ($25,000 for 2 or more persons), as well as $7,500 of Property Damage Liability Coverage for any one accident. (See Ohio Revised Code Section 4509.101).  However, many times accidents result in damages that exceed those minimum coverage limits. If the at-fault driver’s insurance policy limits are exceeded, then that driver may be personally responsible to pay the difference not covered by the automobile insurance policy. Even though it is illegal in the State of Ohio to drive without insurance, there are still many drivers out on the road without the State minimum coverage.  If you are involved in an accident, there are one of several scenarios you can choose in an attempt to recover your losses.  First, you can seek to recover the damages against the car owner personally.  Second, you can seek to recover damages against the driver personally.  And third, you can file a claim with your insurance company under a uninsured/underinsured policy, if it is available.