You are driving along one of the roads in Toledo, soothing music filling your car. You slow down and stop at a stop sign. Since there is no one else waiting, you proceed with your drive. Suddenly, another car zooms past from another direction and smashes into your car from the side. By good chance you are not severely injured, just some cuts and bruises. Your car, on the other hand, is badly damaged and you are left in limbo as to how you will get it fixed.
After following the appropriate steps in reporting the crime and documenting it, the big question that lingers in your mind is, “Who will pay for these damages? What next after this accident?’ You can decide to file for a vehicle damage claim with your insurer if you are insured. But you still may not be satisfied that their valuation is fair. After all, you are aware of how insurers like to cut down on their costs and expenses.
You will have to seek the assistance of a personal injury attorney in Ohio, who will make sure that you are well compensated and your damages paid for in full. A good attorney will also take you through the legal aspects of your case and familiarize you with the proceedings to ensure that at the end of it all, you are a happy satisfied client.
So who will pay for your vehicle damage?
This is a nagging question that lingers into your mind for long. You wonder if it is your insurer or the other driver’s insurer who will pay for the vehicle damage. This will depend on
- a) Where the accident occurred
- No fault state
- At fault state
- b) The type of insurance coverage for your car
No fault state
Car insurance in a no-fault state allows for the insurer to pay for some damages without consideration of the driver or individual that was at fault, and regardless of whether any driver was at fault). In some no-fault states, however, you are free to pursue a claim against the driver that hit you.
At fault state
In these types of states, liability in most car accidents is purely based on negligence. This means that insurers will pay for vehicle damage only if someone was at fault.
Type of insurance coverage
Collision coverage is a type of insurance coverage which covers all damages of all kind sustained by your vehicle in an accident. It is very expensive considering it will pay for whatever damage your car sustains without considering who was at fault.
Ohio is primarily an at-fault insurance state. This means that the individual who is at fault for an accident is held responsible for all the damages and losses sustained. Moreover, every driver is required to carry their liability car insurance to help in the payment for any damage or loss during an accident.
In the event that you are involved in an accident in Ohio, it is important to seek the counsel of a qualified personal injury attorney with experience in handling car accidents, who will help you in the filing of a claim with your insurance company. The state of Ohio has some restrictions and limitations on car accident claims which can be difficult to manage on your own.