Who Pays For Car Accident Compensation In Ohio?
A car accident can happen in seconds. But it can cause serious injuries that take weeks or months to recover from-or that leave you with permanent damage. It can also have serious financial effects. Your medical expenses can add up quickly. And your injury may leave you unable to work for some time, resulting in lost income.
Ohio auto accident attorney Scott Smith has been helping victims of car accidents get the compensation they need and deserve for more than 30 years. He knows the laws in Ohio and he knows how to deal with insurance companies. He will explore all of your legal options for financial compensation so you can focus on getting your life back to normal.
Protect yourself with the right insurance coverage
All drivers in Ohio are required to buy car insurance that has minimum liability limits of:
- $25,000 for the injury or death of one person
- $50,000 for all injury or death in a single accident
- $25,000 for property damage
But these minimum limits may not be enough to pay for the damages caused in a car accident, so it is a good idea to add more coverage.
There is other insurance coverage you can choose to buy that can help protect you if you're in an accident. There is also optional coverage you should consider adding:
- Collision coverage provides compensation for the damage to your car.
- UM/UIM coverage helps pay for medical expenses, lost wages and pain and suffering in accidents caused by uninsured or underinsured drivers.
- Optional insurance coverage for medical expenses. Ohio drivers have two choices:
- Personal injury protection (PIP) coverage. This optional form of insurance pays your medical bills and provides partial compensation for lost wages due to your accident. PIP is not required in Ohio.
- MedPay coverage. This optional form of insurance only pays for your accident-related medical expenses. MedPay is not required in Ohio.
Your compensation options
Ohio is a "fault" car insurance state. This means the person at fault for the accident is generally considered liable for paying the damages (financial compensation). Damages can include medical expenses for anyone injured in the accident, as well as property damage. But actually getting compensation is not easy. You can:
- File a claim with your insurance company - This can help pay for costs not covered by an at-fault driver's insurance.
- File a claim with the at-fault driver's insurance company - The insurance company will likely make you a settlement offer that is far too low. But Scott Smith can fight to negotiate a more favorable settlement.
- File a lawsuit against the at-fault driver - Sometimes an insurance company won't agree to a fair settlement. Or they may suggest you were at-fault in the accident. If that happens, Scott Smith will take them on in court.
Ohio also has a comparative negligence law. So you could be found partially at fault for the accident, and may be awarded less money in damages. For example, if you are found to be 25% responsible for a car accident in which you were injured, any damages you are awarded would be reduced by 25%. If you are found to be more than 50% at fault for your accident, you cannot recover any damages or any financial compensation for your accident due to Ohio's comparative negligence law.
If you've been injured in a car accident, get an experienced attorney on your side who knows how to get results. Call Smith Law Office at 888-311-5297 to schedule a free evaluation of your case. We'll make a financial recovery for you, or you pay us no fees.