How Ohio's Random Selection Program Could Affect You

Here's what drivers need to know about changes in Ohio.

In Ohio, uninsured drivers may be more prominent than you think. A program implemented within the state randomly mailed out requests for drivers to verify their insurance. After all, drivers who own a vehicle are legally required to carry insurance. Unfortunately, many drivers within the states of Ohio and Kentucky do not have car insurance, which means that should they be involved in an accident of some kind, the other party may be held responsible for the bills.

This random selection program was designed to encourage drivers to carry insurance even if they didn't believe they needed it. Drivers who received a notification requesting more information would be forced to demonstrate that they carry insurance; however, funding for the program ended in July 2019, which means that drivers now do not need to prove they carry insurance unless pulled over by a police officer while driving.

What does this mean for drivers in Ohio and Kentucky? And can this have an impact on personal injuries while on the road?

The impact of uninsured drivers

Each year in the United States, more than 3 million people are injured in automobile accidents. Many of these accidents are preventable and are caused by distracted driving or drivers who are under the influence of drugs or alcohol. Other accidents may be caused by poor weather conditions or faulty vehicles. While many injuries are minor, such as bruises or fractures, other injuries are more severe. Both drivers and passengers who are involved in vehicle collisions may experience severe broken bones, head injuries, permanent disabilities, or in some cases, death.

Uninsured drivers in Ohio and Kentucky don't just pose a danger to themselves, but to the people around them. When someone is involved in a car accident and is at fault, their insurance is required to pay for the damage to the other party's vehicle. In some cases, this coverage extends to medical expenses, as well.

Unfortunately, when someone is involved in an accident and the other party is uninsured, the person who is not at fault may be responsible for the cost of their vehicle repairs. For adults throughout Ohio, this cost can be incredibly financially devastating.

According to the Ohio State Highway Patrol, officers have contact with more than one million Ohio drivers each year. During these interactions, police officers may request that drivers show proof of insurance. Some officers believe that this action is enough to encourage drivers to obtain insurance before driving, while others worry that the removal of the Ohio Random Selection program could minimize the need some drivers feel to acquire proper insurance before getting on the road. It's important to keep in mind that all vehicles with a license plate must have insurance at all times, including seasonal vehicles, such as RVs.

Have you been involved in a car accident in Ohio or Kentucky? Are you wondering what your rights and options are for moving forward? It's time to reach out to a personal injury attorney who can help you. Call today to schedule an appointment and to find out what your options are.

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