Car accidents happen every day—yet most people never expect to be involved in one. Why fault matters after accidents becomes clear the moment a crash occurs: it can be chaotic, stressful, and traumatic. While your immediate focus should be safety and medical care, determining who was at fault is critical for your legal and financial recovery.
How Insurance Companies Decide Fault
After a crash, insurance companies begin their own investigation into what happened. They review police reports, statements from drivers and witnesses, photos from the scene, and damage assessments. While this may sound objective, insurers are still businesses—and their goal is to pay as little as possible.
If the insurer believes you were partially at fault, even by a small percentage, your compensation may be reduced or your rates could increase. This is especially true in comparative negligence states like Ohio, where shared fault can significantly impact the outcome of a claim. Without strong evidence on your side, you may find yourself fighting an uphill battle to prove your version of events.
Understanding Comparative Fault in Ohio and Michigan
Ohio and Michigan follow a comparative fault system. In Ohio’s case, injured parties can recover damages as long as they are less than 51% at fault. For example, if you are deemed 30% responsible but sustain $100,000 in damages, you could still claim $70,000. Michigan employs a similar rule but often applies a stricter threshold in certain cases. These systems highlight why accurate fault determination is so important: even minor fault can drastically reduce compensation. Having a knowledgeable attorney on your side can make the difference between a full recovery and a compromised one.
Insurance Missteps to Watch For
Insurance claims come with pitfalls that can hinder your recovery if mishandled. You may be asked to provide a recorded statement shortly after the crash; it’s often better to allow your attorney to handle this. Early settlement offers from insurers may sound appealing, but once accepted, you usually forfeit your right to pursue additional compensation—even if new medical treatment arises. Likewise, admitting fault, signing waivers, authorizing medical releases, or finalizing claims without guidance can expose you to legal risk.
Additionally, failing to follow through with your treatment plan can be viewed as a sign that your injuries weren’t serious. Cutting corners medically or financially may be interpreted by insurers as a red flag, making it harder to prove your case. A company serious about defending your rights should coach you through all these steps, ensuring you make informed decisions, not rushed ones.
FAQs About Fault and Car Accidents
You can’t predict a crash, but you can prepare for what happens next. Here are answers to some frequently asked questions:
Can I still recover damages if I’m partially at fault?
Yes. Ohio’s comparative fault system lets you recover proportionate damages unless you’re over 50% responsible. Michigan’s rules are similar, though some cases have stricter thresholds.What if the other driver flees the scene?
That’s a hit-and-run. Report it immediately, and your uninsured motorist coverage may apply. We can also help trace witnesses or video evidence to identify the driver.Will my insurance rate go up if I’m not at fault?
Not usually—but insurers sometimes challenge fault findings. Having an attorney helps protect your record and coverage.How long do I have to file a fault-based claim?
Ohio gives two years to file a personal injury lawsuit. Michigan offers three years. Filing late usually means you lose the right to compensation.What if multiple people are to blame?
A shared-fault or multi-vehicle crash involves analyzing each driver’s responsibility. A legal team uncovers who should pay for what—and how liability is divided.
Need help with one of these scenarios? Give us a call—we’re here to guide you.
The Value of a Car Accident Lawyer
At Gallon, Takacs & Boissoneault, we understand that car accidents—especially those involving disputed fault—can disrupt every part of your life. Since 1955, our attorneys have helped thousands across Ohio and Michigan recover fair compensation. When you call us, we don’t just file paperwork—we fight for you.
We secure key evidence, work with crash experts, negotiate with insurers, and take your case to trial if needed. Every case is prepared as if it’s going to court. This strategy gives us leverage and keeps your interests protected.
We evaluate comparative fault, push back when insurers try to shift blame, and stay with you until your case is resolved. Our relentless approach is why so many clients trust us after serious crashes.
Get Help From Trusted Car Accident Attorneys
If you’ve been injured in a car accident and fault is unclear or disputed, don’t try to navigate the aftermath alone. At Gallon, Takacs & Boissoneault, our experienced personal injury attorneys have been fighting for crash victims across Northwest Ohio, Southeast Michigan, and Northeast Indiana since 1955. We know how to build strong claims, stand up to insurance companies, and pursue the maximum compensation you’re owed for medical expenses, lost income, pain and suffering, and long-term care needs.
Whether you were hurt in a rear-end collision, highway crash, or multi-vehicle accident, our team of car accident lawyers is ready to advocate for you. With nine convenient office locations in Toledo, Maumee, Defiance, Fremont, Findlay, Lima, Mansfield, Sandusky, and Monroe, MI, trusted legal help is never far away.
📞 Call 419-843-6663 or complete our online contact form to schedule your free consultation. At Gallon, Takacs & Boissoneault, we’re here to protect your rights, fight for your recovery, and help you move forward with confidence.
Kevin Boissoneault, is the President and Managing Partner of GT&B. He began his career at GT&B in 1992 and has built the Personal Injury section into one of the strongest and most successful firms in the region. His hard work and dedication as a compelling trial attorney and litigator has won many verdicts and settlements for his clients and their families. Kevin’s commitment to protecting those who have been injured through accident or negligence has brought justice for thousands of clients.
