Mani Ellis & Layne Accident & Injury Lawyers | March 12, 2025 | Car Accidents
There’s a common question among Ohio drivers: “What happens if I’m in an accident that isn’t my fault?” Ohio is an at-fault state, which means the driver who causes a crash is generally responsible for paying any damages. Unlike no-fault states—where drivers often file claims with their own insurance—Ohio requires the at-fault driver (or their insurance company) to cover accident-related costs such as medical bills or property damage.
Understanding the basics of Ohio’s at-fault rules can help you make better decisions if you ever find yourself in a car accident. Consulting with a Columbus car accident attorney can provide valuable guidance on navigating the legal process and ensuring you receive fair compensation.
Ohio’s At-Fault System
Under Ohio’s at-fault system, the driver who causes an accident must pay for any harm that results. This generally involves filing a claim with the at-fault driver’s insurance company.
Ohio requires every driver to carry minimum liability insurance. This coverage helps pay for the other person’s medical bills and vehicle damage if you cause a crash. Even so, insurance companies sometimes deny fault or offer a settlement that doesn’t cover all of your losses. That’s why many people hire an attorney to handle insurance negotiations.
Contributory Fault in Ohio
Ohio applies what is known as the “modified comparative negligence” rule. If you bear some responsibility for the crash, your ability to recover damages can be reduced. For example, if a court finds you 20% at fault, you’ll only get 80% of your total compensation. If you’re found more than 50% at fault, you might not recover any money at all.
This can affect your claim if you also violated a law (like speeding or texting while driving) at the time of the accident. Even a small degree of blame can lower your payout. That’s why it’s smart to be careful about what you say and do after a crash. Never apologize or take blame until you fully understand the situation because that statement might be used against you.
What Should I Do After a Car Accident in Ohio?
The moments after a crash can feel confusing, but the steps you take are very important.
Consider the following:
- Call 911 if anyone is hurt or if there’s significant property damage
- Exchange insurance and contact information with all parties involved
- Gather evidence if you can do so safely—snap photos of the scene, the vehicles, and any visible injuries
- Speak to witnesses if they are available, and write down their contact details
- Avoid apologizing or admitting fault; simply stick to the facts
- Seek medical treatment right away, even if you think your injuries are minor
- Notify your insurance company, but be cautious about providing a recorded statement without legal advice
After you’ve addressed any immediate medical concerns, it can be helpful to consult a lawyer, especially if your injuries are serious or if the other driver’s insurer disputes your claim.
Contact an Ohio Car Accident Attorney for a Free Consultation
Ohio’s at-fault law means you might face a complicated claims process if you’re hurt by someone else’s negligence. You could be entitled to compensation, but recovering that money often involves dealing with insurance companies that want to pay you as little as possible.
An attorney can gather evidence, calculate damages, and negotiate on your behalf—so you can focus on healing. Most lawyers in this field of the law work on a contingency fee basis as well, so you only pay attorney’s fees if you get compensation.
Contact the Car Accident Law Firm of Mani Ellis & Layne Accident & Injury Lawyers for Help Today
For more information, please contact an experienced lawyer at Mani Ellis & Layne Accident & Injury Lawyers to schedule a free initial consultation today. We have convenient locations in Columbus, OH, and Charleston, WV.
Mani Ellis & Layne Accident & Injury Lawyers – Columbus, OH Office
20 E Broad St Suite 1000, Columbus, OH 43215
(614) 414-3965
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Mani Ellis & Layne Accident & Injury Lawyers – Charleston, WV Office
10 Hale St Suite 501, Charleston, WV 25301
(304) 584-6025
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