Car accidents can be overwhelming, and understanding how insurance works in these situations is important. Insurance plays a key role in handling the financial aftermath of an accident.
The way insurance impacts your case depends on factors like fault, the type of coverage you have, and the extent of your injuries.
Types of insurance coverage in Ohio
In Ohio, drivers are required to carry a minimum amount of insurance. This includes liability coverage, which helps pay for damage you cause to others in an accident. Ohio follows a “fault” system for car accidents, meaning the driver responsible for the crash is liable for damages. However, Ohio also allows drivers to carry uninsured/underinsured motorist coverage, which helps if the at-fault driver has little or no insurance to cover your damages.
How insurance helps with medical expenses
If you’re injured in a car accident, your insurance coverage can help pay for medical bills. Personal injury protection (PIP) is available in Ohio, which provides coverage for medical expenses regardless of who caused the accident. PIP can help cover the costs of emergency room visits, hospital stays, doctor’s appointments, and rehabilitation. Having the right insurance can also ensure you’re not left with expensive medical bills that could affect your financial future.
Insurance and property damage
Insurance can also help repair your car if it is damaged in an accident. Depending on your policy, you may have collision coverage, which covers damages to your own car after an accident. This can ease the financial burden of paying for repairs or a replacement vehicle. In Ohio, if the other driver is at fault and does not have sufficient coverage, your own insurance may step in to help.
How insurance claims work after an accident
After a car accident, you’ll need to file an insurance claim. The insurer will investigate the incident and determine fault. If you are not at fault, your insurer may seek reimbursement from the at-fault driver’s insurance. If the other driver is at fault and underinsured, your own uninsured motorist coverage can cover the remaining costs.
Understanding the role of insurance in a car accident ensures that you’re better prepared for the financial impacts. While it may not erase the physical and emotional toll, it can help you manage the costs involved.
