Ohio Uninsured/Underinsured Drivers

  • Uninsured and underinsured motorists in Ohio

Help for People Injured by an Uninsured or Underinsured Driver in Ohio

Experienced Ohio auto accident attorneys provide representation if an uninsured motorist injures you or damages your property

Ohio requires all drivers to have some form of liability insurance, called “financial responsibility” (FR). Failure to maintain proper insurance coverage is illegal, and may result in fines and penalties. It is also illegal for a motor vehicle owner to allow anyone else to drive his or her vehicle without FR. Proof of coverage is required whenever a police officer stops a vehicle, at vehicle inspection stops, during traffic court appearances, and upon random checks by the Registrar of Motor Vehicles. Unfortunately, not everyone has proper insurance, which leaves accident victims wondering how to pay for their damages when an uninsured driver is to blame for the crash.

If you are injured or your property damaged by an uninsured or underinsured driver you should seek the guidance of one of the experienced Ohio uninsured and underinsured driver accident attorneys at Crandall & Pera Law. The auto accident team at Crandall & Pera Law has the expertise to help you recover full and fair compensation for your medical bills, property damage, lost wages, and pain and suffering.

Is the at-fault driver responsible for the damages even without insurance?

A negligent driver who is uninsured or underinsured is personally liable for his or her share of the damages, and may be sued by the other driver to recover them. If uninsured, he or she will also be subject to the penalties the law provides for violating the FR statute.

Because Ohio uses a combined traditional tort liability system with comparative negligence, the law and the drivers’ insurance companies determine who was at fault, and to what degree. The insurance company of the at-fault driver then pays those who were injured, based on the amount of damage and injury done by their driver, minus an amount equal to the percentage of fault charged to the other driver(s).

What are the minimum standards for FR?

The minimum liability coverage is set by law at: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons, and $25,000 for property damage. In lieu of an insurance policy a driver may establish FR by:

  • A surety bond of $30,000 issued by any authorized surety company or insurance company
  • A Bureau of Motor Vehicles (BMV) bond secured by real estate having equity of at least $60,000
  • A BMV Certificate for money or government bonds in the amount of $30,000 on deposit with the Ohio Treasurer of State

The payouts under minimum coverage are very low considering the cost of medical care and the possibility that more than two people might be seriously injured.

Is insurance available to protect other drivers against loss or injury caused by uninsured drivers?

Yes. Optional medical coverage (Med Pay) indemnifies against bodily injury by uninsured and underinsured motorists. Optional physical damage coverage is also available to indemnify against loss by uninsured motorists’ collision and property damage.

How can a traffic accident attorney from Crandall & Pera Law help?

If an uninsured or underinsured driver negligently causes you injury or damages your property, he or she is personally responsible for the costs arising from it. The experienced attorneys from Crandall & Pera Law’s uninsured/underinsured accident team are familiar with all aspects of Ohio vehicular laws, and can dispute your degree of responsibility, if any, for the accident. By having your comparative negligence reduced, you decrease the risk of being the “more responsible” party.

Please call us at 877-686-8879 or fill out our contact form to schedule a no-obligation consultation with a qualified Ohio traffic accident attorney. Crandall & Pera Law has five Ohio law offices conveniently located in Cleveland, Columbus, Cincinnati, Chesterland and Chagrin Falls.

Serving Ohio and Kentucky • Find a Location Near Me

Cleveland Office:
850 Euclid Ave
Cleveland, OH 44114
Cincinnati Office:
36 East 7th Street, Suite 2610
Cincinnati, Ohio 45202
Cleveland East Office:
15 1/2 N. Franklin Street
Chagrin Falls, OH 44022
Columbus Office:
35 E. Gay Street,
Suite 226
Columbus, Ohio 43215
Chesterland Office:
12768 Chillicothe Rd., Suite 210
Chesterland, Ohio 44026
Toledo Office:
5055 Enterprise Blvd., Suite 1204
Toledo, Ohio 43612
Cincinnati Office:
1095 Nimitzview Dr., Suite 403
Cincinnati, OH 45230
Lexington Office:
1900 Cambridge Drive, Suite 101
Lexington, KY 40504
Louisville Office:
2950 Breckenridge Ln, Suite 13-100
Louisville, KY 40220

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