Quick Facts
- Statute: 2 years.
- Fault Rule: Modified comparative negligence (50% bar).
- Minimum Coverage: $25,000 per person / $50,000 per accident / $25,000 property damage.
Key Facts for Ohio Accident Claims
Statute of Limitations
2 years.
Personal injury claims
Fault System
Modified comparative negligence (50% bar).
Comparative fault rules
Min. Liability Coverage
$25,000 per person / $50,000 per accident / $25,000 property damage.
State minimums
Uninsured Motorist
Must be offered unless rejected in writing.
Coverage status
Statute of Limitations in Ohio
Comparative Fault: Modified comparative negligence (50% bar). Minimum Liability Coverage: $25,000 per person / $50,000 per accident / $25,000 property damage. Uninsured Motorist: Must be offered unless rejected in writing.
Ohio's Fault System
Ohio uses a modified comparative negligence system with a 50% bar. Injured parties who are 50% or more at fault cannot recover damages. If less than 50% at fault, recovery is reduced proportionally. Accurate documentation and witness statements are essential to prove fault percentages and maximize recovery under Ohio law.
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Insurance Requirements
Ohio drivers must carry minimum liability coverage of 25/50/25. Liability insurance pays for bodily injury and property damage caused to others. Insurers must offer uninsured motorist coverage unless rejected. UM coverage provides critical protection when the at-fault driver lacks sufficient insurance.
Frequently Asked Questions
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