Ohio Law on Car Accidents Without Insurance

Ohio, like many other states, requires drivers to have car insurance. This is necessary in the event of a car accident so that the individual at fault can pay for damages to the other person’s car through their insurance coverage. In addition to property damage liability, drivers are also required to have coverage for bodily liability as part of their insurance policies as well.

Unfortunately, some Ohio drivers choose not to buy car insurance. If this is the case and someone ends up in an accident that renders someone else injured or leaves them with damages to their car, there are consequences. There are different situations that can occur.

If you are at fault for an accident but don’t have auto insurance, the other party can file a personal injury lawsuit against you. Ohio is a fault state, which means the individual responsible for a car accident must compensate the other party for any injuries or damages they incur. Without insurance coverage, you would be required to pay the plaintiff out of your own pocket. The judge in the case would decide whether you make monthly payments or if your wages should be garnished to pay the individual.

If you are in an accident without insurance but the collision was not your fault, you would be entitled to compensation for your injuries and any vehicle damage. At the same time, you would still be responsible for the penalties that come with not having insurance. Those penalties include the following:

• Temporary driver’s license revocation
• License reinstatement fee of $100
• Security suspension of two or more years if you have an accident without insurance

Regardless of your situation, if you have been in an accident in Ohio and lack insurance, you need the help of Flickinger Legal Group, experienced auto accident attorneys Columbus Ohio based. Contact our injury attorneys Columbus at your earliest convenience.