Being in a car accident is a stressful experience, but the situation can become worse if you discover the other driver was uninsured.
Driving without insurance is illegal in Ohio, yet accidents with uninsured motorists happen. So, what can you do if you are ever in an accident with an uninsured driver?
Steps you need to take
If you are hit by an uninsured driver, you may face difficulties in receiving compensation for injuries or property damage. Therefore, it’s crucial you take the following steps:
- Ensure your safety and that of others at the accident scene. If possible, move to a safe location and call 911 if necessary.
- Exchange information with the other driver, including their contact details, license plate number, vehicle information and other relevant details. Try to get photos of the scene.
- Report the accident to law enforcement, especially if the other driver is uninsured. A police report provides valuable documentation.
- Seek medical attention, even if the injuries appear minor. Not only is it crucial for your well-being, but it also provides additional documentation for any insurance claims.
If your auto insurance policy includes uninsured motorist coverage, you may be able to file a claim with your own insurance for damages caused by the uninsured driver.
If you don’t have uninsured motorist coverage or it is insufficient to cover your losses, consider pursuing legal action against the uninsured driver. Ohio is an “at-fault” state for auto insurance claims, meaning that the driver responsible for causing the accident is liable for resulting damages. Even if you are partially at fault, you may be able to receive some compensation.
Therefore, you should discuss your situation with someone who can help you explore your options and protect your interests.
