Ohio is a at-fault state, which means that the person responsible for a car accident must compensate the other party for the injuries or damages they incur. Without insurance coverage, you would be required to pay the plaintiff out of your own pocket. If a law enforcement officer stops you at a traffic stop, they will ask for proof of car insurance. The best way to determine how much you might pay for car insurance is to get quotes from several car insurance companies for the same types and levels of coverage.
Like most states, drivers in Ohio must purchase certain types and levels of car insurance coverage in order to drive legally. Or, if you cancel your insurance coverage, your insurance company will report it to the Ohio Office of Motor Vehicles (BMV). If you drive in Ohio without insurance and have an accident, you are likely to receive a citation for driving without insurance and face the penalties described above. If you are an uninsured driver and are 50% or less at fault in a car accident, you can sue the other party involved or file a claim in your insurance policy.
Insured or uninsured, a good lawyer can help reduce your damages if you are the at-fault uninsured driver. Keep in mind that the minimum amount of car insurance required in your state may not provide the levels of coverage you need. Car accidents are scary and quickly complicated, especially if you or the other party doesn't have insurance. Before you get behind the wheel in Ohio, find out how much auto insurance the law requires and the penalties you could face if you don't comply with it.
The experienced car accident lawyers at O'Connor, Acciani & Levy in Cincinnati are dedicated to helping victims of car accidents recover damages caused by a negligent driver. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.