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Posts tagged "Uninsured/Underinsured Accidents"

Compensation in car accidents involving an uninsured motorist

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.

Have you been injured in a crash with an uninsured driver?

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.

What happens if injured by an uninsured driver

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.

How are uninsured/underinsured accidents different?

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?

Injury by uninsured or underinsured motorist has legal recourse

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?

What are the protections against an uninsured 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.

Getting help when a negligent driver is uninsured or underinsured

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.

What do I do if hit by an uninsured motorist?

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.

Exemptions to the Ohio FRA

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.

Ohio BMV's 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.

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