What Every Driver Needs to Know


Being involved in a car accident can be a traumatic experience with significant implications for one’s health, lifestyle, and financial well-being. Understanding the intricacies of navigating Ohio car accident Compensation Laws is essential for Ohio drivers to safeguard their rights and seek the compensation they deserve. If you’ve been injured or suffered property damage in an automobile accident, the following outlines the Ohio laws that may impact your claim or lawsuit.


Report All Accidents with Cautious Precision


In Ohio, prompt reporting of car accidents is crucial, especially if injuries are involved. Those involved in an accident must follow the guidelines set by Section 5502.11 of the Ohio Revised Code, which states that all accidents resulting in bodily injury or property damage beyond $1,000 should be reported to authorities. Reporting an accident within 24 hours is the first and most important step in documenting all the necessary information for a successful compensation claim. A detailed crash report is created, highlighting essential details like the parties involved, the officer’s determination of fault, contributing factors like weather conditions, and the date of the accident. This documentation strengthens your case, clearly explaining events when seeking compensation.


Ohio’s Car Insurance Requirements


Ohio law mandates that all drivers carry a minimum amount of liability insurance. Moreover, this insurance is meant to cover bodily injury and property damage that the insured driver causes to others. The following are the legal minimums, often insufficient to cover all applicable damages. As of 2024, the minimum amounts required in Ohio are:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $25,000 for property damage


Understanding Ohio’s At-Fault System


One of the first things to understand is that Ohio follows an at-fault system, known as a “tort” system in legal circles. This system holds the driver responsible for any injuries or damages resulting from the accident. In practical terms, the at-fault driver’s insurance company compensates for the damages. The driver must take financial responsibility if the damages exceed the policy’s limit. This system differs from a no-fault system where each driver’s insurance covers their injuries regardless of fault.

Implications for Compensation


In an at-fault state like Ohio, compensation implications carry significant weight. The core of such a system hinges on proving fault. This proof can be established through police reports, eyewitness testimony, and evidence at the accident scene. Additionally, the process has the potential to turn contentious as insurance companies for both parties strive to minimize their clients’ liability. Therefore, it is vital to gather ample evidence and seek legal advice promptly to ensure proper representation and protection of your rights.

Comparative Negligence in Ohio


Ohio follows the rule of comparative negligence, which can influence how much compensation is awarded to the victim. If the victim is deemed to carry any percentage of fault for the accident, their compensation will be reduced by that percentage. For example, if the total compensation for an accident is $10,000, but the victim is found to be 20% at fault, they will receive $8,000. Further, Ohio does not permit compensation if an injured party is 50% or more at fault.


Decoding Non-Economic Damage Caps and Their Exceptions


Ohio’s imposing caps on non-economic damages in personal injury lawsuits significantly impact pain and suffering. However, Section 2315.18 of the Ohio Revised Code outlines these limits, albeit with significant exceptions. For example, catastrophic injuries fall beyond these caps.

This nuanced handling of damage caps underscores the necessity of legal expertise. Moreover, a skilled attorney can effectively advocate for the exceptions, guaranteeing that the claim accurately portrays the full extent of the victim’s suffering.


Ohio’s Statute of Limitations for Car Accidents


Another crucial aspect of Ohio’s car accident compensation laws involves the statute of limitations. It defines the period you must file a lawsuit after an incident occurs. Generally, in Ohio, personal injury cases related to car accidents have a two-year statute of limitations from the accident date. Not filing within this time frame can permanently prevent you from seeking compensation.


Exceptions to the Statute of Limitations


Exceptions to the two-year statute of limitations exist, particularly in cases involving minors or individuals with mental incapacities. In these situations, the clock for the statute of limitations may not start ticking until the minor turns 18 or the incapacitated individual can file the claim. For these intricate scenarios, seeking legal counsel to ensure adherence to the proper timeline is strongly advised.


Navigating Ohio Car Accident Compensation Laws: Connect With Ohio’s Best


If you’ve been looking for “Best Car Accident Lawyers Near Me,” it’s crucial not to settle for any legal representation. In Toledo, Ohio, the quality of your legal counsel can make or break your car accident claim. Gallon, Takacs & Boissoneault injury lawyers are the right choice for those seeking seasoned expertise and dedicated advocacy. Our team can navigate car accident complexities and fight for your rights. We’re committed to ensuring you receive fair compensation for any injuries or losses. Choose our dedicated team when searching for a trustworthy and experienced car accident lawyer.

Call Your local auto accident lawyers at 419-843-6663 to get started, or use our easy online contact form today.

If you reside in or around any of the areas we serve in Ohio and Michigan – MaumeeDefianceFremontFindlayLima, MansfieldToledo, and Monroe – and are searching for “auto accident attorneys near me,” you can count on having one of our best car accident attorneys from Gallon, Takacs & Boissoneault to represent you in a personal injury or wrongful death case.  With a local personal injury attorney near you, help is just a phone call away.