What Happens If The Other Driver Does Not Have Car Insurance in Ohio?
Ohio is a “Fault State for Auto Accidents” and as clear as that is put there can still be some confusion when dealing with the aftermath of an auto accident. According to Ohio agency https://www.nolo.com/legal-encyclopedia/ohio-car-insurance-requirements.html
Ohio requires a minimum insurance amount to be legally Covered in the state of Ohio.
The minimum requirements for coverage are:
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- $25,000 for the injury or death of one person (a passenger, another driver, pedestrian, etc.) in an accident you cause
- $50,000 total for all injuries or deaths resulting from a single accident you cause
- $25,000 for any property damage arising out of a single accident you cause.
The requirements may not cover an entire accident and companies will offer additional coverage because of exceeding bills from an accident the injured party can go after personal assets, example https://www.progressive.com/ or other insurance options offer additional coverages to protect you in those situations though we all know what our budgets will allow and what coverage you think is best for you.
For better definition on some of the more legal terms, you can click here for Financial responsibility definitions. That has a lot of helpful resources for these terms when situations like this occur especially again dealing with an accident next is the lawyers and insurance companies and they are using terms that will sometimes seem foreign to handling these unfortunate times.
I have experience with drivers training in the state of Ohio for over 20 years here is one scenario to consider. A driver with insurance causes an accident the other driver who does not have insurance can be considered the at-fault driver because in the state of Ohio it is illegal to drive without insurance. This also leaves the ramifications of fines from the state and losing your license privileges up to 2 years which, in return, makes you at fault for the accident even if the other driver is charged with the traffic violation.
Other states may have different laws. Be sure to check the state insurance websites or the local BMV.