Personal Injury Law in Ohio: What You Need to Know About Car Accidents
Personal Injury Law in Ohio: What You Need to Know About Car Accidents

Personal injury can occur anytime, anywhere, and to anyone. It's an
unfortunate reality of life that accidents happen, and sometimes they
can result in serious injuries. In Ohio, there are several important
insurance laws that everyone should know about to ensure that they are
protected in the event of a personal injury.
First and foremost,
Ohio is an at-fault state, which means that the person who is found to
be at fault for an accident is responsible for paying for any damages or
injuries that result from the accident. This is important to know
because it means that if you are involved in an accident and someone
else is at fault, you may be entitled to compensation for your injuries.
Another
important insurance law in Ohio is the statute of limitations for
personal injury claims. In Ohio, you have two years from the date of the
accident to file a personal injury claim. If you fail to file within
this timeframe, you may lose your right to seek compensation for your
injuries.
Ohio also has minimum insurance requirements for
drivers. Every driver in Ohio is required to carry liability insurance
with a minimum of $25,000 per person and $50,000 per accident. This
insurance is designed to cover any damages or injuries that you may
cause to another person in an accident. However, it's important to note
that this insurance may not be enough to cover all of the expenses that
can result from a serious accident.
For this reason, it's
recommended that Ohio drivers carry additional insurance coverage, such
as uninsured/underinsured motorist coverage. This insurance is designed
to cover your expenses if you are involved in an accident with a driver
who doesn't have enough insurance to cover the damages or injuries they
caused.
If you are involved in an accident in Ohio, it's
important to know that you have the right to choose your own doctor for
any medical treatment that you require. This is known as the "freedom of
choice" law, and it means that you are not required to see a doctor
chosen by the insurance company.
Finally, it's important to know
that Ohio has a modified comparative fault rule. This means that if you
are found to be partially at fault for an accident, your compensation
may be reduced by the percentage of fault that is attributed to you. For
example, if you are found to be 20% at fault for an accident and you
are awarded $100,000 in damages, your compensation may be reduced to
$80,000.
In conclusion, there are several important insurance
laws to know about personal injury in Ohio. These laws are designed to
protect you in the event of an accident, but it's important to
understand them so that you can ensure that you receive the compensation
that you are entitled to. Whether you are a driver or a pedestrian,
knowing your rights and responsibilities can help you stay safe on the
roads and protect yourself in the event of an accident.









