Under the law, all motorists are required to have a minimum amount of car insurance to protect other drivers from accidents and injuries. Most motorists opt for more insurance than the minimum amount, for obvious reasons. However, some motorists throw caution to the wind and make the choice to skip not only extra insurance, but all insurance altogether. How does one proceed when yourself or loved ones have suffered car accident injuries due to uninsured or underinsured motorists?
The thought of getting behind the wheel without car insurance sounds crazy to most. However, a percentage of drivers on Cincinnati roads today do just that, they get behind the wheel without meeting the legal thresholds for car insurance. So, what happens to you, the law abiding driver, when you are injured or your property is damaged in a car accident with an uninsured or underinsured motorist?
Being hit by another driver can be an understandably troubling experience. When the accident wasn't your fault, you may be wondering what to do. After you have assessed whether you and any passengers are okay, you are likely left wondering what you do about the driver that negligently ran a red light and hit you or carelessly failed to yield of the right of way and struck you.
Being hit by an uninsured or underinsured motorist can be one of the worst sets of circumstances a car accident victim can face. When car accident victims have been injured by a driver who does not have car insurance it is important for them to be aware of the different options available to help them with the damages commonly suffered in a car accident.
Being involved in a car accident is never a fun experience and if you have been hit by a negligent driver, it can be particularly upsetting. If the negligent driver is an uninsured motorist, it can be even worse. If you are facing that situation, it is important to keep in mind that legal resources are available for victims of negligent drivers but you may be wondering what you do if that driver is uninsured or underinsured. The good news is that options may be available in circumstances involving an uninsured or underinsured motorist as well.
A previous blog post discussed Ohio's Financial Responsibility Act. Under the Act, vehicle owners are not allowed to operate, nor permit another to operate, their vehicle without insurance. The Ohio Bureau of Motor Vehicles randomly selects 5,400 vehicles per week for which owners must provide proof of an insurance policy. Those found to be in violation of the FRA may be subject to penalties, such as drivers' license suspension and impoundment. However, uninsured motorists may claim an exemption to the Ohio FRA random selection program.
According to Ohio's Financial Responsibility Act (FRA), vehicle owners are not allowed to operate, nor permit another to operate, their vehicle without insurance. Proof of financial responsibility must be maintained throughout the vehicle's registration period and for other drivers who operate the vehicle. To ensure compliance with the FRA, The Ohio Bureau of Motor Vehicles (BMV) has a random selection program in place, through which 5,400 registered vehicles per week are chosen at random and the owners are asked to provide proof of insurance for a specific date.
A previous post on this blog talked about Ohio's minimum insurance requirements that residents of Cincinnati must maintain if they want to drive on the area's roads legally. These limits are not that high, and thus many people on the roads in Ohio may well be legal yet still not have enough insurance to pay compensation to injured people should they cause an accident.
Most people who drive in Cincinnati recognize that they are supposed to have automobile insurance that will pay compensation to people they injure because of an accident that is their fault. While too many people ignore this rule, the majority of Ohioans are responsible enough to go out and purchase some insurance that keeps them legal on the road.
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.