Getting into a motorcycle accident is already stressful—but discovering that the at-fault driver has no insurance can add an entirely new layer of uncertainty and frustration. If you’ve been injured in a crash and the responsible driver is uninsured, you may be wondering: What are my rights? Can I still recover compensation? At The Richards Firm, we’ve helped many motorcycle accident victims in these difficult situations. As an experienced motorcycle accident lawyer in Cincinnati, we’re here to walk you through your options.
Ohio’s Insurance Requirements
Ohio law requires drivers to carry a minimum amount of liability insurance. As of 2023, that includes:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $25,000 for property damage
Unfortunately, not every driver on the road complies with these laws. Some are uninsured, and others carry only the bare minimum—which may not be enough to cover serious injuries from a motorcycle accident.
What Happens If the At-Fault Driver Is Uninsured?
If the driver who caused your motorcycle accident has no insurance, you can only pursue compensation against that driver personally—because there isn’t an insurance company. Unfortunately, most uninsured drivers do not have much, if anything, in the way of assets that might make them collectible in the event of a judgement against the uninsured driver. But that doesn’t mean you’re out of options. Here are potential paths forward:
1. Uninsured Motorist (UM) Coverage
If you have motorcycle insurance and opted into Uninsured Motorist (UM) coverage, this is likely your best option. UM coverage is designed to step in when you’re hit by someone without insurance (or in a hit-and-run).
What it can cover:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage (depending on your policy)
UM coverage is optional in Ohio, but it’s strongly recommended—especially for motorcyclists, who face a higher risk of serious injury.
2. Suing the At-Fault Driver Personally
In some cases, you may be able to file a personal injury lawsuit directly against the uninsured driver. However, even if you win a court judgment, collecting compensation can be difficult if the driver lacks assets or income. That driver can also file bankruptcy to protect some assets even if they do exist.
Bottom line: A lawsuit may be symbolic unless the driver has property, wages, or other assets that can be used to satisfy the judgment.
3. Other Possible Sources of Compensation
Depending on your situation, additional sources of compensation may include:
- MedPay (Medical Payments Coverage): This optional insurance covers your medical expenses regardless of fault.
- Health Insurance: While it won’t cover lost wages or pain and suffering, your health insurance can help pay for treatment.
- Umbrella Policies or Household Coverage: Sometimes, policies held by family members or umbrella policies may offer coverage in specific circumstances.
What To Do After an Accident with an Uninsured Driver
If you’re hit by an uninsured driver while riding your motorcycle, taking the right steps early on can strengthen your claim and improve your chances of recovering compensation:
- Call 911: Report the crash immediately and request police and medical assistance.
- Document the scene: Take photos of the damage, road conditions, and injuries.
- Collect information: Get the driver’s name, contact info, and license plate number. Ask if they have insurance, but don’t argue if they don’t.
- Get medical treatment: Even if injuries seem minor, see a doctor right away.
- Contact a motorcycle accident lawyer: Legal guidance is critical—especially when the at-fault driver is uninsured.
Why Motorcycle Accidents Are So Severe
Motorcyclists are more exposed than drivers of passenger vehicles, making them particularly vulnerable to catastrophic injuries. Common injuries in motorcycle crashes include:
- Traumatic brain injuries (TBI)
- Spinal cord damage
- Broken bones
- Road rash and burns
- Internal bleeding
These injuries often lead to long-term medical expenses, disability, or emotional trauma. When the at-fault party is uninsured, a lawyer can help you identify every potential avenue of compensation.
How a Motorcycle Accident Lawyer in Cincinnati Can Help
At The Richards Firm, we understand how complicated and frustrating it is to deal with an uninsured driver. That’s why we:
- Perform an asset check of the uninsured driver
- Review your insurance policy for UM/UIM coverage
- Investigate the accident and gather crucial evidence
- Help file claims and negotiate with your insurer
- Determine whether other parties may be liable
- Represent you in court if necessary
We don’t just offer legal advice—we fight for the full compensation you’re entitled to.
Don’t Wait–Ohio Has Time Limits for Personal Injury Claims
In Ohio, you generally have two years from the date of the accident to file a personal injury lawsuit. If you delay, you risk losing your right to recover compensation—even if your injuries are severe.
Contact The Richards Firm – Your Motorcycle Accident Lawyer in Cincinnati
If you’ve been injured in a motorcycle crash and the at-fault driver has no insurance, don’t face the aftermath alone. The Richards Firm is committed to helping injured riders across Ohio get the justice and financial recovery they deserve. We’ll evaluate your case for free and guide you through your legal options.
Call us today at (513) 341-5413 or visit richardsinjuryfirm.com to schedule a free consultation.
