Understanding Insurance, Liability, and Your Legal Options
After a car accident in Ohio, one of the first—and most stressful—questions people ask is: Who is going to pay for my medical bills, lost wages, and other damages? The answer depends on the circumstances of the crash, who was at fault, and the type of insurance coverage involved.
At Buckeye Law Group, we help accident victims navigate Ohio’s fault-based insurance system, where the at-fault driver’s insurance company is typically responsible for paying for injuries and property damage.
Determining Fault
Fault plays a central role in who pays for your injuries. Evidence such as police reports, witness statements, and accident reconstruction may be used to prove liability. The at-fault driver’s insurance is generally responsible for covering:
- Medical expenses
- Lost wages from missed work
- Pain and suffering
- Property damage
When the At-Fault Driver Has No or Low Insurance
Unfortunately, not all drivers have adequate insurance. In those cases, you may need to rely on your own uninsured/underinsured motorist coverage (UM/UIM) to recover compensation.
What If You’re Partially at Fault?
Ohio follows a comparative negligence rule, meaning you can still recover damages if you were less than 51% responsible for the accident—but your compensation will be reduced by your percentage of fault.
Why You Shouldn’t Deal With Insurance Alone
Insurance companies are not on your side. They often try to minimize payouts or shift blame. Having an experienced attorney ensures your claim is properly valued and that you don’t settle for less than you deserve.
At Buckeye Law Group, we fight to recover every dollar you’re entitled to so you can focus on healing.
Contact Buckeye Law Group today for a free consultation and let us help you hold the responsible party accountable.
