Fact-Checked: Why Trust Rittgers Rittgers & Nakajima Driving in Ohio comes with a hidden risk. Many motorists are unaware of the high number of uninsured drivers on Ohio roads. Despite Ohio’s Financial Responsibility Law requiring all drivers to carry liability insurance, statistics show a significant percentage of motorists are not complying, putting everyone else at financial risk.
The numbers of uninsured drivers is increasing each year
According to recent data from the Insurance Information Institute (III), an estimated 18.5% of drivers in Ohio were uninsured in 2023. This places Ohio among the states with the highest rates of uninsured motorists, ranking 12th in the nation.
What does this mean in practical terms? It means that nearly one in five drivers you encounter on Ohio roads may not have the required insurance coverage.
While other estimates have varied slightly over the years (some sources cite around 13-17%), the consensus is clear: the problem is widespread and concerning. The national average of uninsured drivers in 2023 was 15.4%.
Why is this a problem?
Ohio operates under a “tort” system, meaning the at-fault driver’s insurance is responsible for covering damages and injuries after a crash. When an uninsured driver causes a crash, the victim may face an uphill battle to seek compensation for medical expenses, lost wages, and property damage.
Without the at-fault driver’s insurance to fall back on, victims may have to:
- File a personal injury lawsuit against the uninsured driver, who may not have the assets to pay.
- Make a claim against their own insurance policy, provided they have the proper coverage.
Protecting yourself while driving in Ohio
Ohio law requires all drivers to be financially responsible, but the reality is that many ignore this law. To protect yourself from the significant financial consequences of a collision with an uninsured motorist, the lawyers at Rittgers Rittgers & Nakajima strongly recommend carrying uninsured and underinsured motorist (UM/UIM) coverage.
In Ohio, UM/UIM coverage is NOT mandatory, you must request it be added to your policy. This coverage acts as a safety net, covering your losses if the at-fault driver is unable to pay. Given the high rate of uninsured drivers in Ohio and other states, this coverage is a critical addition to any Ohio auto insurance policy.
Review your auto insurance policy to make sure you are covered by the large percentage of uninsured drivers in Ohio. Remember the following:
- Your UM coverage takes the place of liability coverage if the at fault driver did not have liability insurance
- Your UIM coverage also pays for injuries to you and your passengers when the other driver did not have enough insurance to pay for your damages.
In Ohio you must protect yourself and others from being injured by an uncollectable, uninsured driver. If you have been injured by an uninsured or underinsured driver, call Rittgers Rittgers & Nakajima at 513-496-0134 or e-mail us for advice and assistance.