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Is Ohio a no-fault state?
I had a tiny scrape in a parking lot last week and I’m trying to understand how to handle the situation with car insurance. Is Ohio a no-fault state?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In an at-fault state like Ohio, a victim of a car accident can file for damages against the person who caused the accident. In Ohio you’ll be financially responsible for your portion of the other driver’s damages if you are deemed
less than 50% negligent for the accident
. If you don’t have insurance, the not at fault driver can file a lawsuit against you to recover these damages. In no-fault states, people must file with their own policies first and there is a high injury threshold before you can file against the other person for damages. To protect yourself and your passengers no matter who is at fault you may want to look into opting for medical payment coverage.
Regardless, now might be a good time to shop around for a new
car insurance
policy. The free Jerry
app can pull up custom quotes for you so you can figure out what’s available. MORE: Ohio road closures
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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