If a person who causes an accident does not have insurance, or has a low policy limit that does not provide full compensation to a person for their injuries, it is still possible for the injured person to recover his or her damages.
First, if the person who caused the accident has valuable assets, it is possible to seek recovery from those assets. Second and more common, is recovery against the injured party’s own insurance carrier.
Most policies in Ohio offer “underinsured or uninsured coverage.” Such coverage applies when the person who caused the accident has no insurance or insufficient insurance coverage. The injured party’s carrier is then liable to the extent recovery could not be had against the party who caused the accident. An experienced personal injury lawyer will know how to seek compensation from all sources available.