Most car accidents that cause bodily injuries also cause property damage to a vehicle. However, this is not always the case. Some car accidents may result in an injury, even if the cars show no signs of damage. If this has happened to you, you still have the right to file an injury claim with the insurance company. Here’s what you need to know.
Bodily Injury Liability Insurance in Ohio
All drivers in Ohio are required to carry proof of insurance or financial responsibility. One type of insurance that is required is bodily injury liability coverage. Ohio drivers need to have $25,000 per person or $50,000 per accident. Bodily injury insurance pays for damages in the event of an accident, regardless of property damage (property damage liability coverage pays for property damage).
For a free legal consultation, call (614) 538-1116
Medical Payments Coverage
Medical payments coverage is another car insurance coverage type that is reserved exclusively for paying for injuries. This coverage type, like bodily injury liability coverage, is independent of property damage. This insurance type can cover all medical expenses up to your purchased coverage amount. Ohio drivers are not legally bound to have medical payments coverage.
As a note, if the at-fault driver doesn’t carry insurance or enough insurance, your own uninsured/underinsured motorist coverage can also help to pay for medical expenses.
Proving Injury When there is No Vehicle Damage
The hardest part of filing a claim for injuries with an insurance company may be in showing that an injury occurred, particularly if there was no damage caused to your vehicle.
To substantiate your claim, it’s likely that you’ll need the testimony of a medical professional who can speak to the cause and extent of your injuries. If you can prove that your injuries would not have occurred but for the accident, then you are entitled to compensation from an insurance company.
If your claim is denied, you may have the right to file a personal injury lawsuit if the other driver was at fault. Getting a medical expert witness for your accident claim is one of multiple things you should do after an Ohio car accident.
Contact an Ohio Car Accident Attorney for More Information
Meet with a lawyer near you.
- Learn more about what your rights are following a car accident
- How to prove that your injuries were caused by your car accident
- Find the types of compensation that you may be entitled