Car insurance makes motor vehicle transportation affordable. If people had to pay out of pocket to replace the totaled vehicles or cover another person's hospital bills, most people couldn't afford to drive.

Insurance helps mitigate the expenses associated with independent transportation. If someone is at fault for a crash, their liability policy pays for the losses of other people. The law requires insurance, but many drivers violate the law. A collision caused by a driver without insurance can cause significant financial complications.

What are the chances of an uninsured driver causing an Ohio car crash?

There are more uninsured motorists than people realize

Most people want to comply with the law and to protect themselves from liability. Therefore, they carry not just the minimum insurance coverage necessitated by the law but also additional coverage to minimize their liability if a crash has devastating consequences for others.

Unfortunately, not everyone makes responsible decisions before driving. Ohio has the 12th-highest rate of uninsured drivers, according to policy claims filed in 2023. Roughly 18.5% of drivers may not have the insurance required by law. That means there is nearly a one-in-five chance of the driver at fault for a crash lacking any insurance coverage whatsoever.

When uninsured drivers cause crashes, the process of seeking compensation after a wreck becomes much more complex. They may need to file a lawsuit against the driver. They may need to make claims against personal insurance coverage. They may even need to explore third-party liability. Having support when dealing with the aftermath of an uninsured motorist collision can help people limit the financial consequences of a crash caused by an uninsured driver.