If you or your loved one has been involved in a car accident, the costs associated with crash might be huge depending on the severity of the accident. For instance, fixing your vehicle is expensive enough, not to mention the skyrocketing medical expenses in case someone got hurt. That is the primary reason it is important to have auto insurance. Here is what you need to know about the car insurance laws in Ohio.
Financial responsibility law
Each state has some form of financial responsibility law. This law requires all drivers to have liability insurance coverage. According to the Ohio Revised Code (section 4509.101), any individual is prohibited from permitting the operation of a motor vehicle or operating it unless they maintain proof of financial responsibility throughout the entire registration period of the car. All this legalese boils down to the fact that every driver or vehicle owner must have auto insurance coverage.
Get to know your coverage
It is recommended to know whether you have liability coverage or comprehensive insurance coverage. Note that the latter covers both your car and the statutory liability for other cars. It’s also good to know whether you have minimum limits or higher.
Keep in mind that each type of vehicle insurance coverage you may carry is crucial for different reasons. Indeed, it determines whether or not your personal property will be covered if you are involved in a crash and you are responsible for the accident. It also determines if and to what level you will be covered in the event that you are involved in an auto crash with an underinsured or uninsured motorist and the other party is at fault.
Finally, nearly every experienced Allstate insurance lawyer in Ohio will tell you that the specific type and amount of insurance coverage you have will determine the amount of payment you are likely to make out of your pocket to the other party in case you are at fault for an auto accident. In Ohio State, your insurance carrier will pay up to the relevant coverage limits even if you have a comprehensive policy and you are at fault during an accident.
You don’t have car insurance?
Well, if you don’t have car insurance and you have been involved in an auto crash, you still have rights. If the other party was at fault and has insurance coverage, you can contact their carrier immediately and inform them about your intention to pursue a personal injury claim. It is wise to keep track of all your medical expenses and all other costs associated with the injuries and property damage resulting from the accident.
If the other party’s insurance service provider isn’t cooperating, you have another option – file a lawsuit. Remember, the law allows you to file a personal injury lawsuit against the other driver whether or not you have insurance coverage. Work with an experienced attorney to build a strong case and file it within the statute of limitations.