Is Ohio a no-fault state?

No. Ohio is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.

What is Ohio's fault rule for a car accident?

Ohio follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.

How long do I have to file an injury claim in Ohio?

In Ohio the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Ohio · Injury claims

Car accident injury claims in Ohio

In Ohio, an injury claim runs through the at-fault driver's insurer — and how much you can recover turns on the state's fault rule, coverage minimums, and a filing deadline that's easy to miss. Here's what shapes an injury claim in Ohio.

Get started — free

Ohio at a glance

Fault rule: Modified comparative — 51% bar
No-fault state?: No
Minimum liability coverage: 25/50/25 (O.R.C. § 4509.51; last amended 2013; WATCH FLAG: HB 596 (2025) proposes 50/100 BI — pending). UM/UIM coverage-gap warning critical given no mandatory offer in OH.
Time limit for an injury claim: 2 years

How fault works in Ohio

O.R.C. § 2315.33 — modified comparative negligence. A plaintiff whose contributory fault is 'not greater than' the combined fault of all defendants recovers; a plaintiff at EXACTLY 50% still recovers, while a plaintiff at 51%+ is barred. In Claimoe convention this is the '51% bar.'

Paying for injuries in Ohio

Ohio is NOT a no-fault state. There is no PIP statute. MedPay is optional.

How Moe handles injury claims in Ohio

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Ohio’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

Open my Ohio case — free See how it works

Ohio injury claims — common questions

Is Ohio a no-fault state?: No. Ohio is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.
What is Ohio's fault rule for a car accident?: Ohio follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.
How long do I have to file an injury claim in Ohio?: In Ohio the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Learn more

All Ohio accident-claim rules · Other states

Sources

This page summarizes Ohio’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.