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Ohio Injury Claim Rules

Rules cited to Ohio’s statutes and case lawRules checked How we calculate

Fault rule51% barYou recover if you are 50% or less at fault. The award is cut by your share.Ohio Rev. Code § 2315.33
Filing deadline2 yearsFrom the date of the injury.Ohio Rev. Code § 2305.10
Minimum insurance25/50/25Per person, per crash, property. Ohio is an at-fault state.
Damage caps$250,000–$350,000 non-economicNon-economic damages are capped at the greater of $250,000 or three times economic damages, up to…Ohio Rev. Code § 2315.18

Calculators with these rules built in

Ohio personal injury settlementAny injury someone else caused, valued under your state’s fault rule.Ohio car accident settlementInjury value plus your vehicle claim, with policy limits and no-fault rules.Ohio truck accident settlementCommercial policies carry far higher limits. See what that changes.Ohio motorcycle accident settlementSevere-injury ranges, fault disputes and the rider’s own coverage.Ohio pedestrian accident settlementHit on foot, including crosswalk fault and your own auto coverage.Ohio bicycle accident settlementCyclist claims under your state’s fault rule.Ohio rideshare accident settlementUber and Lyft layered coverage, by the driver’s app status.Ohio slip and fall settlementPremises claims, where proving the owner knew is half the case.Ohio dog bite settlementStrict-liability and one-bite states, and the homeowner’s policy that pays.Ohio wrongful death settlementLost support, household services and companionship, valued today.Ohio pain and sufferingCompare the multiplier and per-diem methods side by side.Ohio settlement offer checkerPlace an insurer’s offer inside your state’s range.Ohio demand letterA ready-to-edit demand letter for the insurance adjuster.Ohio filing deadlineYour last day to file an injury lawsuit, by state and claim type.Ohio comparative faultHow your share of fault changes the award under your state’s rule.Ohio policy limits and um/uim gapWhen the other driver’s policy runs out, and what your own covers.

This page collects the rules that decide what an injury claim is worth in Ohio: who can recover when both sides share the blame, how long you have to sue, what insurance drivers must carry and whether the state caps damages. Every rule links to the statute or court decision behind it, and every calculator on this site uses these same values.

Ohio is an at-fault state, so claims are paid by the at-fault party’s insurer, and its 51% bar rule sets how much your own share of fault costs you.

Ohio injury claim rules

Fault. Ohio uses modified comparative fault with a 51% bar. If you are found 20% at fault, your award drops by 20%. At 51% or more, you recover nothing. Insurers know this, so expect them to argue your share up.

Filing deadlines. You have two years from the injury to file a personal injury lawsuit. Families have two years for a wrongful death claim, usually counted from the date of death. Claims against a government agency need written notice much sooner.

Car insurance. Ohio is an at-fault state, so the at-fault driver’s liability insurance pays your claim. Drivers must carry at least $25,000 per injured person, $50,000 per crash and $25,000 for property damage, written 25/50/25.

Damage caps. Non-economic damages are capped at the greater of $250,000 or three times economic damages, up to $350,000 per person. There is no cap for catastrophic injuries such as permanent loss of a limb or bodily function.

Dog bites. Owners, keepers and harborers are strictly liable for injuries their dog causes, unless the victim was trespassing, committing a crime or teasing the dog.

Ohio injury claim questions

Can I still get a settlement in Ohio if I was partly at fault?

Yes, as long as you were 50% or less at fault. Your award is reduced by your percentage, and at 51% or more you recover nothing.

How long do I have to file a personal injury lawsuit in Ohio?

two years from the injury in most cases.

Who pays a personal injury settlement?

Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.

Does Ohio cap pain and suffering damages?

Yes. Non-economic damages are capped at the greater of $250,000 or three times economic damages, up to $350,000 per person. There is no cap for catastrophic injuries such as permanent loss of a limb or bodily function.