What Happens If I Am Involved In An Accident With An Uninsured Or Underinsured Driver In Ohio?

If you are hit by an uninsured or underinsured driver in Ohio, you still have options. Ohio is an at-fault state, meaning the driver who caused the crash is legally responsible for your damages—even if they do not have insurance. In many cases, the most effective path to recovery is through your own uninsured/underinsured motorist (UM/UIM) coverage, which can compensate you for medical bills, lost wages, and pain and suffering when the at-fault driver lacks sufficient coverage. You may also have additional options through MedPay, collision coverage, or a direct claim against the at-fault driver. These cases can be more complex than standard claims, so it is important to act promptly and understand all available sources of recovery.

I am sorry for what you are going through. If you were involved in a car crash with an uninsured/underinsured driver, the most common way to recover for your damages (injuries, medical expenses and pain and suffering) is to pursue a claim through your own insurance under your uninsured/underinsured motorists coverage provision. You should provide your insurance information to a lawyer who specializes in this area and they can tell you whether you have that coverage. You could also pursue a claim directly against the person who caused the crash. A good lawyer can talk you through that as well.

If you have uninsured or underinsured motorist coverage through your insurance, you can seek to recover for your damages through your insurance company.