Hit by an Uninsured Driver in Ohio? Here's What You Need to Know

26 Mar

Hit by an Uninsured Driver in Ohio? Here’s What You Need to Know

Getting into a car accident is stressful enough—but finding out the driver who hit you doesn’t have insurance? That can feel like insult on top of injury. Unfortunately, thousands of Ohio drivers are uninsured or underinsured, leaving innocent accident victims wondering how they’ll cover medical bills, car repairs, and lost wages.

At SELPH LAW, we help people just like you recover compensation—even when the at-fault driver doesn’t carry proper insurance. Call (614)-453-0971 for a FREE case review and find out how we can help protect your future.

Ohio Law Requires Insurance—But Not Everyone Follows the Rules

Ohio law requires all drivers to carry minimum liability coverage, including:

$25,000 for injury/death per person

$50,000 for injury/death per accident

$25,000 for property damage

But many drivers break the law or carry bare minimum policies that don’t come close to covering your losses in a serious crash.

✅ Pro Tip: Even if the at-fault driver gives you an insurance card, that doesn’t guarantee they have active coverage. Many policies lapse due to nonpayment.

What Happens If the At-Fault Driver Has No Insurance?

If the driver who caused your accident is uninsured, you still have options—but they’re more complicated. Here’s what may happen:

Option 1: File a Claim With Your Own Insurance (UM/UIM Coverage)

If you have uninsured/underinsured motorist (UM/UIM) coverage on your auto policy, you can file a claim with your own insurer to cover:

Medical bills

Lost wages

Pain and suffering

Vehicle damage

✅ Important: UM/UIM coverage is optional in Ohio, but highly recommended. Check your policy—or ask us to review it for free.

Option 2: Sue the Uninsured Driver Personally

You can file a personal injury lawsuit against the at-fault driver, but collecting compensation is often difficult—uninsured drivers usually don’t have the income or assets to pay what they owe.

✅ Pro Tip: Sometimes, we uncover hidden assets or other liable parties (like employers or vehicle owners) that can be held accountable.

Option 3: Identify Other Liable Parties

Depending on the circumstances, you may be able to hold additional parties responsible, such as:

A bar or restaurant that overserved a drunk driver (dram shop liability)

A vehicle manufacturer if a defect contributed to the crash

A municipality for dangerous road conditions or missing signage

✅ At SELPH LAW, we leave no stone unturned in identifying every possible source of compensation.

Why You Need a Lawyer If the Other Driver Is Uninsured

These cases are complex and insurance companies often deny or delay UM/UIM claims. You need an experienced personal injury attorney who knows how to:

Investigate insurance coverage and policy limits

Prove the full extent of your injuries and damages

Fight unfair insurance denials and lowball offers

Take your case to court if necessary

Common Mistakes After a Crash With an Uninsured Driver

❌ Accepting a small cash payment from the at-fault driver
❌ Not calling the police (you need an official report!)
❌ Failing to notify your insurance company within their deadline
❌ Not hiring a lawyer early enough to preserve your claim

✅ Your best move? Call SELPH LAW at (614)-453-0971 as soon as possible.

What You Can Recover After Being Hit by an Uninsured Driver

Even if the at-fault driver has no insurance, you may still be able to recover compensation for:

Emergency medical care

Ongoing treatment or surgery

Rehabilitation and therapy

Lost wages and future earning capacity

Pain and suffering

Permanent disability or disfigurement

Every case is different. Let us review yours—for free.

Call SELPH LAW – Your Advocate After an Uninsured Driver Accident

Don’t let an uninsured driver leave you footing the bill. We’ll fight to get you the compensation you deserve. At SELPH LAW, we understand how to navigate these tough cases and make insurance companies pay attention.

📞 Call (614)-453-0971 now for a FREE case review. We work on a contingency fee, so you don’t pay unless we win.

Hit by an Uninsured Driver in Ohio? Here’s What You Need to Know

Hit by an Uninsured Driver in Ohio? Here’s What You Need to Know

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