Ohio is not a no-fault state; this is an important fact when it comes to insurance claims. However, many people who are injured in a car accident don't fully understand the implications of no-fault versus no-fault laws. Since Ohio is an at-fault state, your remedy after an accident is to file a claim against the at-fault party's insurance company or to sue the driver directly. No, Ohio is not a no-fault state when it comes to auto insurance.
Ohio is a “at-fault” or “tort” state, meaning that the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage as a result of the accident. In addition, unlike no-fault states, Ohio drivers can file lawsuits seeking compensation for even basic medical expenses after an accident. No, Ohio is not a no-fault state when it comes to car insurance. Ohio follows the Liability System, in other words, Ohio is a guilty state.
This means that, in the event of a car accident, the driver who is found at fault is responsible for the damage caused by the accident. Ohio is a “tort liability” state and uses a modified contributory fault law. In a vehicle accident, the driver causing the accident is responsible for paying for damages, including those for the other vehicle involved. During the investigation, the police and insurance companies will use various pieces of evidence from the accident to determine who was at fault.
If you've been in a car accident where the other driver is at fault, you may be able to seek compensation for damages against the other driver's insurance. In Ohio and other at-fault states, the victim is not required to contact their own insurance before filing a claim against the driver responsible for the accident. Your insurance company may ask you to use your preferred store after a car accident, and if they do, the insurance company must guarantee your work and not impose any additional costs on you, except if this is not the case. Liability in Ohio car accidents can sometimes be difficult to determine, and when it comes to compensation for damages, it's of great importance to have the expert legal advice of an Ohio car accident lawyer from Kisling, Nestico & Redick, on your side.
In addition to Ohio's minimum coverage requirements, you may want to purchase types of coverage that cover your own expenses after an accident. There are several steps you should take after a car accident to ensure that you protect yourself in terms of the law and your own health. Some states require drivers to have PIP or MedPay, while collision insurance is often mandatory if you rent or finance your car. If you're at fault for a car accident, your liability insurance pays for repairs to the other driver's car and will likely cover the doctor's bills if you're injured.
For more information, see WalletHub's guides on no-fault insurance and the cheapest car insurance in Ohio. If you've been injured in a car accident, it's in your best interest to immediately contact the Kisling, Nestico & Redick car accident lawyers in Ohio. In a no-fault state, the victim must file a claim with their own insurance company to receive compensation. Section 4113.07 of the Ohio Revised Code explains that if the employer breaks safety laws, the accident is treated according to rules similar to those of no-fault insurance.
It's important to carefully review any settlement offer and consult with an attorney before accepting it, as insurance companies may offer a lower amount than you're entitled to receive...