You’ve just been hit by another driver. You’re shaken, your car is damaged… and then you find out the driver responsible doesn’t have insurance. Now what? In Ohio, being involved in a crash with an uninsured driver doesn’t mean you’re out of options—but it does mean you need to act fast and smart to protect your rights.

Uninsured Drivers Are More Common Than You Think

Despite state laws requiring auto insurance, a surprising number of drivers in Ohio are uninsured or underinsured. This puts responsible drivers at risk of paying out-of-pocket for injuries and vehicle damage caused by someone else’s negligence. If you’ve been hit by an uninsured driver, you need to understand what coverage you may already have—and how to use it.

Can You Sue an Uninsured Driver?

Technically, yes—you can sue the uninsured driver directly. But here’s the reality: drivers who don’t carry insurance often don’t have the personal assets to cover a judgment. Even if you win in court, collecting that money can be an uphill battle. That’s why your best shot at recovering damages may come through your own policy—and that may mean fighting your insurance company for what you deserve.

Your Own Insurance Policy May Help You

If you carry Uninsured/Underinsured Motorist (UM/UIM) coverage, your own insurance may cover your losses, including medical bills, lost wages, and even pain and suffering. This coverage is optional in Ohio, but many policies include it by default. It’s designed to step in when the at-fault driver can’t.

Depending on your policy, you may also be able to use:

• Medical Payments Coverage: Covers immediate medical costs regardless of fault.
• Collision Coverage: Helps pay for damage to your vehicle.
• Personal Injury Protection: Can help with medical expenses and lost income.

Make Your Insurance Policy Work for You

Insurance companies may downplay your claim or deny coverage entirely—especially when their own money is on the line. That’s why it’s critical to have an experienced attorney in your corner who knows how to handle uninsured motorist claims and will fight to get you every dollar you’re entitled to.

The Law Offices of Tim Misny can help you pursue compensation after a crash—even when the other driver has no insurance. When you’re the one left dealing with the consequences of someone else’s bad decisions, I’ll Make Them Pay!^® Call my office at (877) 614-9524 so I can evaluate your case right away.