In the State of Ohio, determining liability is the typically the primary factor in regards to whose insurance covers medical costs in Cincinnati, Ohio. However, there are several other factors can often factor in how medical bills are paid for people involved in accidents. Here are a few facts about insurance claims paid after fault has been determined.
Understanding Car Insurance Laws in Cincinnati, Ohio
According to Ohio Revised Code Section 4509.101, the law requires that anybody driving a vehicle needs to maintain an active insurance policy covering (minimums) of $25,000 for bodily injury or death to a single individual involved in an accident, $50,000 for two people, and $25,000 for damage to property involved in the accident. This law was enacted to ensure that regardless of who is at fault, the question of whose insurance covers medical costs in Cincinnati, Ohio should be rather simple to determine.
Since Ohio is an 'at fault' state; the person determined to be at fault of causing the accident is typically responsible for having their insurance company covering the medical expenses. However, this determination of fault can be complex and open to several legal interpretations.
What to do After an Accident in Cincinnati
If you've been involved in any automobile accident in Cincinnati, your health and well-being should always be the primary consideration. You should always seek medical attention after the accident - regardless of how you might feel directly after the accident occurs. Many injuries can go undetermined at first glance; so having a medical professional check you out is important to your overall health.
It's also critical that you verify with the police department that an accident case has been filed and that you actively contribute to the accident report with solid facts. If you have time, taking pictures of the accident scene, gaining contact information from any witnesses and gathering other facts will help simplify the determination of fault. Once fault has been determined, contact the other party's insurance company to file your claim with supporting documentation as soon as possible.
Contacting an Attorney in Cincinnati, Ohio
There are times when the determination of fault can be in question or times when insurance companies want to drag out the claims process. This is when it's a great idea to contact a professional lawyer in Cincinnati who understands the law and will defend your legal rights.