How Auto Insurance Works In Ohio

Getting Full Benefits And Full Value From Your Auto Accident Claims

Car insurance can be complicated. After an accident, the other parties may try to take advantage of your confusion and anxiety to avoid their obligation or pay less than your claim is worth. You need an attorney who will explain your rights, manage your claims and fight for your best interests.

At Keis George, our attorneys are exceptionally well-versed in all facets of auto insurance and insurance litigation. We are here to make sure you are fully compensated in a timely manner, and prepared to go to court against any corporation to enforce your rights under the law.

We handle motor vehicle accidents in Cleveland, Akron, Columbus and statewide Ohio. Contact us today at 866-492-6365 for straight answers and aggressive representation.

Understanding Ohio Car Insurance — Your Policy And Theirs

Ohio is a fault-based state. If someone causes an accident that injures you, he or she is financially responsible for your losses. However, your actual compensation may ultimately depend on (1) the other driver's insurance, (2) your own insurance and (3) the knowledge and skill of your attorney.

A note about insurance agents and insurance adjusters: You must report an accident to your own insurer and you may be approached by the other driver's insurance company. These conversations can potentially be turned against you. Before giving any statement, signing a waiver or agreeing to a settlement, talk to a lawyer.

Categories Of Coverage

  • Medical payments — This is optional coverage under your policy. If you have Med-Pay coverage, your insurance company pays your accident-related medical bills (without regard to fault), up to the maximum of your policy.
  • Bodily injury liability — This is coverage under the other driver's policy. By law, every Ohio driver must be insured against negligently causing injury to others. The minimum coverage is $25,000 per person/$50,000 per accident, but thankfully most drivers carry more because the losses can quickly exceed that minimum requirement. You can recover compensation up to the other driver's policy limits for resulting damages, including medical bills, future care, lost earnings, disability or disfigurement, and pain and suffering.
  • Property damage liability — This is coverage under the other driver's policy. By law they must be insured ($25,000 minimum) for repair or replacement of your vehicle.
  • Collision/comprehensive — This is coverage under your policy for vehicle damage. It is not usually invoked when the other driver is at fault.
  • Uninsured/underinsured motorist — UM/UIM is optional (but highly recommended) coverage under your policy. An estimated 15 percent of Ohio drivers have no liability insurance and thousands more carry only the mandatory minimum. If the other driver is not insured — or in a hit-and-run situation — your insurance company covers your losses up to your uninsured motorist (UM) limits. If your losses exceed the other driver's liability coverage, your insurance company pays the difference, up to the limits of your underinsured motorist (UIM) policy.

All of our attorneys have extensive experience in insurance litigation. Read more about the advantage of our litigation background.

Other Factors In Accident Insurance

  • Comparative negligence — Under Ohio law, an injured person's compensation can be reduced proportionately if the victim was partly at fault. If you are deemed 25 percent at fault, for example, the defense would compensate only 75 percent of your losses. If you are found to be more than 50 percent at fault, you would be barred from recovering any compensation. Our attorneys will fight efforts to pin the blame on you when another party was clearly and chiefly negligent, to ensure you are compensated as fully as possible.
  • Insurance deductibles — If you were required to pay a deductible for an accident that was not your fault, we can often recover those out-of-pocket expenses as part of your total compensation.
  • Personal asset recovery — Our attorneys are extensively experienced in insurance subrogation, including claims against the personal assets of the negligent driver or other liable party. We commonly recover additional compensation for clients over and above what that party's insurance paid.
  • Financial responsibility bond — As an alternative to purchasing insurance, Ohio law allows drivers to put up their house or other property as collateral against bodily injury. We have experience in pursuing legal action against those assets.

We Know Insurance And We Get Results

Our attorneys are glad to explain these complex issues as they may apply to your injury claim. Perhaps all you need to know is that, behind the scenes, our team is highly qualified and highly committed on your behalf. From thousands of cases over the years, we understand every facet of auto accident insurance.

Put our experience on your side. Contact Keis George online or call us toll free at 866-492-6365. We offer a free initial consultation, with offices in Cleveland and Columbus.