Ohio No-fault State Rules
Is Ohio a No Fault State
Ohio is not a no-fault state for auto insurance. It operates under a traditional fault-based system, where the driver responsible for an accident pays for resulting damages.
Understanding Ohio's System
After a collision, fault is assigned based on evidence and police reports. The at-fault driver's insurance covers medical bills and repair costs for all affected parties.
- Ohio mandates minimum liability insurance for all drivers.
- Drivers can choose to add optional coverages like collision and comprehensive.
What This Means for Drivers
Injured parties have the right to sue the at-fault driver for additional compensation if necessary. This system emphasizes accountability but may involve legal processes.
Knowing Ohio's fault-based rules helps drivers make informed insurance choices. Ensure you have sufficient coverage to avoid out-of-pocket expenses after an accident.
Seek legal advice if you're unsure about your rights following a car accident in Ohio.