Plenty of drivers in Ohio find paying for car insurance frustrating. After all, it is an expense that you hope you will never capitalize on, as you usually only need your coverage if you’re in a crash. However, even if you find insurance requirements frustrating, you probably still pay for the coverage that your car requires. After all, you don’t want to lose your house or have someone garnish your wages if you cause a crash that leaves them with serious injuries.
What if you’re in a wreck caused by someone else? Unfortunately, there’s no guarantee that the person who causes your crash will comply with state law and carry insurance. How many uninsured drivers are on the Ohio roads?
More than one in 10 drivers don’t have insurance
While the vast majority of drivers in Ohio do have active insurance policies on their vehicles, there is still a concerning number of drivers out there without adequate insurance. Ohio ranks near the middle of the country, having the 21st-highest rate of uninsured drivers.
Analysts from the Insurance Information Institute estimate that in 2019, roughly 13% of drivers in Ohio didn’t have an active insurance policy on their vehicles.
What happens if you get in a crash with an uninsured driver?
Obviously, you will have fewer options if the driver who hits you doesn’t have insurance on their vehicle. If you have uninsured driver protection on your own policy, you may be able to make a claim against that coverage. In most cases, however, the most straightforward option may be to file a civil lawsuit against the driver who did not have insurance.
Knowing more about your rights after a car crash will make it easier for you to protect yourself from other people’s irresponsible behavior and claim the compensation you need for your injuries and losses.