Being in an unexpected car accident can be traumatic enough, but if the other driver does not have car insurance, it can be especially overwhelming. As a result, injured car accident victims need to be familiar with the legal protections available to them so that even if the driver who is responsible for the accident is uninsured or underinsured, they stand a chance at recovering the compensation they deserve.
After a car accident, the parties are supposed to exchange insurance information. Ideally, the two driver's insurance providers should be able to pay for all the bills incurred from the accident, and the drivers won't have to worry about it. Unfortunately, there are often complications involved. One difficulty that often comes up is the problem of the uninsured or underinsured driver.
Ohio law requires that all motorists carry car insurance, but that won't stop some people in the state from ignoring the law and drive uninsured. When an uninsured motorist causes a car accident, or when a motorist is the victim of a hit-and-run crash, the fact that the at-fault motorist does not have car insurance or if it is not possible to track the hit-and-run driver down, can leave the victim concerned about how they will deal with the vehicular damage and medical expenses incurred due to the crash.
Despite possessing safe driving habits, a Cincinnati area resident can still be in a car accident. Luckily, most car accidents are just minor fender benders, but serious car accidents sometimes occur. If a person has been injured in a car accident with a driver who does not have insurance, they do have legal options.
No matter how good a driver a Cincinnati area resident is, an accident can still happen. It is impossible to control every other driver out on the road. Distracted driving, speeding and other dangerous driving continues to occur on our roads. When a person is injured in a car accident, they face unexpected medical expenses and lost wages. But, if a person is injured by an uninsured driver the consequences can increase.
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.