Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this limits your ability to make claim.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Well Someone will sue you and the insurance will do something about it!
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
No it is not a no fault state. Ohio is a tort state meaning that someone must be found to be at fault in each accident.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Liability insurance.
They or their insurance company needs to pay for damage and medical bills in the accident. If they don't have insurance, they can still be sued for the accident by the victims insurance company.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
If the accident was not your fault (someone rear-ended you, for example), then you would claim on their insurance, and they would pay out.
Liability and medical insurance.
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The other person can sue you because you are at fault for the accident.