Mar 14th, 2023
Paulozzi Joseph

If you’ve been in an accident that wasn’t your fault, but you don’t have car insurance, don’t panic, you still have rights and are eligible to collect compensation for costs incurred from the accident. 

Even if you’re uninsured, your accident claim still exists and since Ohio is an at-fault state, the Tort System applies and the driver who is responsible can still be held accountable. But, this doesn’t mean that you won’t face other penalties for driving without insurance. 

Am I Automatically At Fault If I’m In An Accident Without Insurance?

Just because you’ve been in an accident and you don’t have insurance, it does not automatically mean that you are at fault. Ohio is an at-fault state, which means that the person responsible for the accident is liable for any damages incurred. The driver who caused the accident is responsible for paying for any damages, injuries, or losses resulting from the accident.

You Can Still Recover Damages From The At-Fault Driver If You Don’t Have Insurance

If you are involved in a car accident without insurance and are not at fault, you can still recover damages from the at-fault driver. This is possible if the at-fault driver has insurance. The driver’s insurance company may cover:

  • The damages
  • Medical bills
  • Lost wages
  • Any other costs incurred as a result of the accident

However, if the at-fault driver does not have insurance, it can be challenging to recover damages. In this case, you may need to seek legal assistance to help you recover the damages.

What Happens If The At-Fault Driver Has Uninsured Motorist Insurance?

If the at-fault driver does not have insurance, but you have uninsured motorist insurance, you can file a claim with your insurance company to cover your damages. Uninsured motorist insurance is an optional coverage that you can add to your insurance policy to protect yourself if you are involved in an accident with an uninsured driver.

Could I Still Be Penalized For Driving Without Insurance In Ohio?

In Ohio, car insurance is mandatory, and driving without insurance is a serious offense, and if you are caught, you may be penalized. If you’re in an accident and don’t have insurance, you may face legal consequences. In Ohio, you may be required to pay a fine of up to $500 and may have your license suspended for 90 days. Repeated offenses may result in more severe penalties.

Let An Experienced Attorney Assist In Your Uninsured Accident Case

If you’re involved in an accident without insurance, it’s essential to seek legal assistance to help you navigate the legal system. An experienced attorney can help you understand your legal options and ensure that your rights are protected throughout the process.

When filing a claim, it’s essential to provide evidence to support your case, such as medical bills, witness statements, and police reports. Work with Paulozzi LPA on your uninsured motorist claim in Ohio to help you gather evidence and build a strong case to help you recover the damages you’re entitled to. 

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