A previous post on this blog discussed how Cincinnati residents who get hurt in car accidents may have to turn to their own uninsured motorist coverage in order to get compensation for their injuries. Still, some Ohioans may honestly have a hard time believing that uninsured coverage is even important since, after all, the law requires people who driver on Ohio’s road to have insurance which covers them if they cause an accident by paying compensation to those whom they injured.
In fact, though, many people, more than 1 in 10 according to some relatively recent statistics, choose to ignore the law and take their chances driving a vehicle without insurance. Specifically, 13.5 percent of motorists on the road in Ohio do not have insurance. This number puts Ohio slightly above average in terms of how many uninsured motorists are on the state’s roads, ranking 17 among the states and the District of Columbia.
On the national level, the trend has been that there are fewer uninsured motorists on the road, in part because of better law enforcement and detection efforts. For instance, in the early 1990s, over 15 percent of motorists nationwide did not carry insurance; more recently, the number has hovered closer to 12 percent. The number of uninsured drivers seems to spike during difficult economic times, as was the case during the 2008 Great Recession.
In any event, though, the point is that a motorist in Ohio stands a decent chance of getting hurt in an accident with a driver who does not have insurance or, for that matter, any other means of paying compensation. It is important that these victims know other options for recovery may be available to them.