Simple answer – No. However, it does not make a very long blog or a useful blog post 😉
So in this blog you will find an example definition of car insurance without errors, including some no -correct states and what type of state is for car insurance. Hopefully, these explanations will help you understand the difference between the two and especially how Ohio works when it comes to faults and claims for a car accident.
What is no non-life insurance?
Disclaimer: Because Ohio is NOT a state without fault, we do not need to know the exact details to handle this situation. However, I can offer some basics so you can see the difference between the two.
A very basic definition of non-life insurance is this: all car insurance policies that allow policyholders to recover financial losses from their own insurance company, regardless of fault. State law would spell exactly how this works. In its most severe form, no error applies only to state laws that both provide for the payment of error-free first-party benefits and restrict the right to sue, the so-called "limited compensation alternative". The benefit coverage from the first party (the policyholder) is known as personal injury protection (PIP).
Some of our neighbors are faultless states, including Michigan, Pennsylvania and Kentucky.
So if Ohio is NOT a no -Fault State, What Is It?
Ohio is a comparative state of neglect. Negligence is a legal term that means failure to exercise the degree of care required of a reasonable and prudent person in a given circumstance that leads to harm or harm to another. Negligence is the basis for the majority of liability insurance claims. The person who is negligent is the party who pays.
Comparative negligence allows you and the other driver to share the cost of injury from an accident in proportion to your share of negligence. You can get your damages back minus the percentage caused by your own negligence if it is judged to be 50 percent or less. If you are more than 50% negligent, you can not recover losses from the other driver.
Here is an example of how it works:
You are involved in a car accident and the insurance company decides that you were 20% wrong. You would get back 80% of your damages during comparative negligence. Let's use actual numbers to take it further …
Total damage for the accident was $ 40,000. Your 20% share is $ 8,000. You would recover 80%, which in this case is $ 40,000- $, 8,000 or $ 32,000.
Ok- Ohio is a comparative neglect status. But who determines your share of negligence?
The insurance company makes based on a police report, eyewitness statements and other means they have at their disposal.
And what happens if I do not agree with my part of negligence?
The case may need to go to court and the final decision will be made by a judge or jury. Many times, claiming your own business speeds up repairs, plus allows your business to take over negotiations with the other person, using subrogation technology.
Whether something is wrong or not, it is important to know how your state responds to car accidents. Ohio uses comparative negligence to determine how damages are ultimately paid, while other states work under the concept of misinsurance.
Yes, not only do we help when you first look for car insurance, we also help you with the time of damage. Call us at (937) 592-4871
or fill in the form below and we will be happy to review your current insurance!