When you experience an auto accident, it brings your routine to a halt. Instead of making your way to work or school, you may need to seek medical attention and figure out alternative transportation. Then come the bills. Hospital costs and auto repairs add up to alarming dollar amounts. When the bills start piling up, you may decide to take a serious look at your auto insurance. What will it pay? What should it pay? One question you may ask when trying to evaluate your auto insurance involves a concept known as fault. Is Ohio a no-fault state for auto insurance? If so, how does this affect your claim? Keep reading for more information on Ohio auto insurance laws. IS OHIO A NO FAULT STATE FAQ What Does No-Fault Mean? A no-fault state requires your auto insurance to pay your medical expenses from an accident, even if the accident was not your fault. No-fault auto insurance usually pays medical bills up to a certain policy limit. If medical expenses exceed that limit, the policyholder may sue the driver who caused the accident.  So is Ohio a no-fault state for auto insurance? No, Ohio rejects this standard of compensation. So if you live in Ohio, no-fault state auto insurance rules do not apply. Ohio requires fault-based auto insurance claims. This means that you recover medical expenses and car repairs from the person who caused the accident.  IS OHIO A NO FAULT STATE FAQ How Does This Rule Affect Me?  Instead of filing a claim with your auto insurance, you file a claim with the at-fault party’s auto insurance. If the person who caused the accident is uninsured, then it’s up to you to pay your own accident expenses. Some drivers purchase an additional policy to cover accidents caused by an uninsured or underinsured driver.  The at-fault party’s insurance company may try to avoid paying for all your expenses from the accident. After all, the insurance company is trying to maximize its profits, and it doesn’t help them to pay large claims. If you feel intimidated trying to negotiate with the at-fault driver’s insurance company, an experienced car accident attorney can help. Insurance companies can intimidate injured claimants, but an experienced car accident attorney knows how to negotiate with an insurance company for a maximum settlement.  IS OHIO A NO FAULT STATE FAQ What Is Comparative Negligence?  When more than one person is at fault for an accident, each individual’s responsibility to pay is based on the principle of comparative negligence. Comparative negligence allows you to recover damages from another driver based on their percentage of fault. For instance, imagine that you sustained $100,000 worth of damages (such as medical bills and auto repairs) in an accident. If the other driver was 60% responsible for the accident and you were 40% responsible, you would be able to recover $60,000 from that driver.  In Ohio, you cannot recover anything from the other driver if you are more than 50% responsible for the accident.  IS OHIO A NO FAULT STATE FAQ How Can an Accident Attorney Help?  If you’ve experienced an accident due to someone else’s negligence, you need skilled legal representation to get the money you’re owed. An experienced car accident attorney can evaluate your case and advise you of your best legal options. The attorney will also investigate the details of the car accident, interview witnesses, and request compensation from the at-fault party’s insurance.  Most insurance companies want to settle, so a car accident attorney will press for the maximum settlement amount. However, if an insurance company refuses to cooperate with settlement negotiations, your attorney should be prepared to proceed to a jury trial. If you have been injured in an Ohio car accident, call the experienced attorneys at Gounaris Abboud, LPA, at 937-222-1515, or contact us online for a free consultation. We have nearly five decades of combined legal experience, and we know how to negotiate with insurance companies to get the full settlement you deserve.

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how to get money from a car accident without a lawyer

We hear about car accidents all the time, but no one thinks they’ll be the victim of one.  According to the Ohio State Highway Patrol, there were 817 deaths caused by car accidents in 2018. Unfortunately, thousands more are seriously injured in Ohio car crashes.  If you have been the victim of a car crash in Ohio, one of the first questions you may have is how to hold the at-fault driver accountable and get the compensation you deserve. You may also be wondering: do I need to hire a car accident lawyer to get compensation?  We want to explain how to get money from a car accident without a lawyer and to give you more information about how an Ohio car accident attorney can help you recover more than if you pursued a claim by yourself. [Watch the Video] Filing a Car Accident Claim and Providing Evidence After being involved in a car crash in Ohio, you need to file a car insurance claim. If you want to submit your claim without legal representation, make sure you do the following: Report the accident to your own insurance company within a specific period after the accident to be eligible for compensation. Only provide facts to the insurance company.  Do not give them information about your opinion or any other subjective details. If you do, the insurance company could use your statements against you. Provide evidence of the other driver’s fault. This includes taking pictures at the scene of the crash, gathering witness statements, and getting a copy of your Ohio car accident report. If you do not get full compensation through an insurance claim, you may need to file a personal injury lawsuit against the at-fault driver.  Hiring an Ohio Car Accident Lawyer Can Increase Your Compensation While it may seem appealing to handle your claim on your own, it is essential to know that working with a Dayton lawyer can improve your chances of getting compensation and can increase the amount of compensation that you get.  Hiring an Ohio personal injury attorney can almost double your chances of getting compensation and may be able to increase your payout by thousands of dollars. A car accident lawyer can use his or her experience to help with the following: Negotiating with the insurance company to get a reasonable settlement; Handling conversations with the insurance adjuster; Framing evidence to support your case, and working with accident reconstruction experts to prove that the other driver is responsible; Negotiating with the at-fault driver’s lawyer to get a reasonable settlement; and Advocating for your right to compensation if your case goes to trial. Get Help from a Dayton Car Crash Lawyer While you do have options to seek compensation on your own, a Dayton, Ohio car accident lawyer will improve your chances of getting the money you deserve. Contact Gounaris Abboud for more information.

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Car accidents are some of the most stressful, frightening, and traumatizing experiences for all involved. Their unexpected nature leaves us caught off guard anytime we are in one, and this alone can be an incredibly debilitating aspect of the entire experience. No one wakes up in the morning anticipating a car accident that day, which is why most people are generally too frazzled to follow the protocol they should once they’ve been in one. However, it is vital you follow certain steps after a car accident, in order to rectify the situation as much as possible, and protect yourself from being blamed. If you are in a car accident, make sure you do the following: Stay calm as much as you possibly can. Check for injuries, and call for an ambulance if necessary. Call 911 to notify the police of what has happened. Turn on your vehicle’s hazard lights and move your car to the side of the road, so you aren’t in the way of other cars. Immediately exchange information with everyone else involved in the car accident, and record as much of it as you can. Do not sign any documents unless it’s for the police or your insurance agent. Do not apologize, as this can be misconstrued as an admittance of guilt. Notify your insurance agent immediately. Contact Our Dayton Personal Injury Lawyers Today At Gounaris Abboud, LPA, we have over 50 years of experience in protecting your rights following an injury caused by the negligence of another. If you or loved one have been injured in a car accident due to no fault of your own, our Dayton personal injury lawyers will relentlessly advocate on your behalf. Whether you missed work, suffered emotional distress and pain and suffering, or simply feel the burden of expensive medical bills, we intend to fight for the compensation you deserve. With us on your side, you won’t ever have to worry about obtaining justice–we will do it for you. Schedule an initial consultation with us today by calling 937-222-1515.

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The at-fault party’s insurance company should provide you with a rental car for the time it takes to repair your vehicle. If your vehicle is deemed to be a total loss, the insurance company will provide you with a rental vehicle until an offer is made on your total loss vehicle. Keep in mind that rental car coverage is for the cost of the rental vehicle only, not the cost of any additional insurance coverage that you purchase for the rental vehicle. So, before you purchase the additional insurance for the rental vehicle, check with your insurance agent to see if your own policy provides coverage for you when you are driving a rental vehicle.

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