What If You’re in a Car Accident with No Insurance, But Are Not At Fault?

Oct 07, 2019 Car Accidents    Legal Blog    Ohio Personal Injury

Posted by: Kisling, Nestico & Redick, LLC

You didn’t cause the crash, but without car insurance, who pays?

If you’re an uninsured driver involved in a car crash that was not your fault, you have certain rights and responsibilities. However, given that you were driving without insurance, you still might be penalized for not abiding by the law.

Ohio Law for Driving Uninsured

Under Ohio law, the state will suspend your driver’s license, license plate, and registration if you don’t have car insurance. Even if the other party caused the crash, getting your driving privileges reinstated is your responsibility.

Ohio is an At-Fault State

If you don’t have insurance, you may be wondering how you’re going to pay for medical bills and car repairs. The good news is that Ohio is an at-fault insurance state. This means that the at-fault driver who caused your accident will need to cover all the damages you incurred.

This includes past and future medical bills, car repairs, lost wages, and any other damages associated with your crash. Therefore, the fact that you have no insurance doesn’t mean that your accident claim is invalid. You’re still entitled to pursue compensation for what you lost.

Penalties for Driving Without Insurance

Lots of drivers don’t carry the insurance required by their state. Approximately one out of eight drivers are uninsured, according to the Insurance Information Institute.

If you want your driver’s license reinstated, you’ll have to pay fees ranging from $100 to $600. The Ohio BMV has an informative page about these penalties.

You’ll also need to show the state that you have car insurance. The BMV requires high-risk drivers to keep proof of coverage on file for three to five years.

If you need help finding insurance, ValuePenguin is a free service with information for Ohio drivers needing insurance.

Don’t Drive With a Suspended License

If you drive or attempt to drive with a suspended license, your car could be impounded or immobilized with a tire boot or club for 30 to 60 days. For three or more suspension violations, your vehicle will be forfeited and sold. You will not be allowed to register a motor vehicle in the state of Ohio for five years.

A Car Accident Lawyer Can Help Recover Compensation

Are you an uninsured driver hurt in a car accident that was not your fault? Let a car accident lawyer review your case and determine the best course of action. They will be able to investigate your claim to collect evidence that proves the at-fault party’s negligence. Call Kisling, Nestico & Redick today for a free consultation.