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Is Ohio an At-Fault or No-Fault State for Car Accidents?

by | Apr 11, 2024 | Car Accidents

In the context of car accidents, “no-fault” and “at-fault” are the two types of insurance that a state may require. These terms can also refer to the right of accident victims to file personal injury claims or lawsuits against other drivers in order to seek compensation for their injuries.

Ohio is an at-fault state for car accidents. This means that if a driver causes an accident, they will likely be responsible for paying for the damages of others involved in the collision using their insurance coverage.

If you were injured in an accident that was not your fault, our Ohio car accident attorneys are here for you; call us today at 513-496-0134. We offer free consultations, and we’re happy to answer your questions and give you the help you deserve.

Understanding No-Fault Insurance through Medpay and PIP

Car accidents often bring about confusion and stress, especially when it comes to understanding insurance coverage and legal responsibilities. Making sure that you take advantage of all the available insurance coverage can help alleviate some of the pain associated with car wrecks. The first question, if you are in a car wreck, is figuring out whether you are in an at-fault or no-fault state.

At-Fault vs No-Fault Systems

At-fault insurance uses the policy of the individual who caused the wreck to compensate the injured party for any damages. The person who pays for the damage is the person who caused the wreck, the person who is at fault. 

With no-fault insurance, the insurance company pays the benefits under the insurance policies to the policyholders regardless of who caused the crash.  Meaning, even the person who caused the car crash is eligible for insurance benefits under his own policy.

Ohio is an At-Fault System

Ohio operates under an at-fault system, meaning that if you are in a car wreck in Ohio, the driver who caused the collision is responsible and liable for any injuries and property damages. As such, Ohio requires every resident to carry the following state minimum coverages:

  • $25,000 for injury or death per person
  • $50,000 for injury or death of two or more people and 
  • $25,000 for property damage. 

These state minimums are on the low end of protection compared to the rest of the country. That is why it is important to be aware of PIP Insurance and optional additional coverage such as MedPay in Ohio. 

PIP vs. MedPay

Depending on whether you are in an at-fault or no-fault state, insureds will automatically have Personal Injury Protection (PIP) insurance or have the option to purchase Medical Payment Coverage (MedPay). They share a lot of similarities, but there are some key differences noted below:


  • Fault Does not Matter to Receive Benefits. Both PIP and MedPay cover injuries to drivers and passengers that are injured as a result of a car wreck, regardless of who was at fault.
  • Coverage for Medical Expenses: The primary purpose of both PIP and MedPay is to cover medical expenses incurred after a car accident. This includes hospital bills, doctor’s visits, surgery costs, prescription medications, and other necessary medical treatments.
  • Immediate Access to Benefits: Both PIP and MedPay provide immediate access to benefits, allowing accident victims to receive timely medical care without having to wait for fault determination or litigation.


  • Scope of Coverage: While both PIP and MedPay cover medical expenses, PIP typically offers broader coverage. In addition to medical bills, PIP may also cover lost wages, essential services, and funeral expenses in some cases. MedPay, on the other hand, is limited to covering medical and funeral expenses only and cannot be used for lost wages.
  • Repayment Requirement: In states that require MedPay benefits, those benefits have to be repaid out of the settlement if the injured party receives compensation from the at-fault party’s insurance. This reimbursement requirement does not apply to PIP benefits in states where PIP is mandated.

MedPay Coverage in Ohio

Ohio has optional MedPay coverage in its at-fault insurance system. Meaning that if you have car insurance in Ohio you want to check to see if you have MedPay coverage. MedPay policy limits typically range anywhere from $1,000 to $10,000. 

The Importance of MedPay in Ohio Car Accident Claims

MedPay serves as an optional coverage that provides benefits regardless of fault, ensuring that individuals and their passengers receive compensation for medical expenses stemming from an accident. Additionally, it allows anyone who is injured to get immediate medical attention while determining who is at fault.

The professional team at Rittgers Rittgers & Nakajima

How Do I Know If You Need a Personal Injury Attorney?

Navigating the aftermath of a personal injury can be overwhelming, especially when dealing with life-changing injuries, mounting medical expenses, and an overall sense of vulnerability. Understanding whether you need a personal injury attorney or if your situation warrants a lawsuit can seem like a daunting task amidst everything else you’re facing.

Accidents, regardless of their severity, can turn your world upside down. The legal mazes that follow, packed with stress and potentially long-term impacts, underscore the value of having a personal injury attorney to advocate for you. These legal professionals step in when injured individuals are not fully compensated, whether due to the enduring effects of an injury, insurance disputes, or complex liability issues.

For more information, read our article “How Do I Know If I Need a Personal Injury Attorney?”

Conclusion: Navigating Ohio Car Accidents with Knowledge

In Ohio’s at-fault system, understanding the nuances of MedPay insurance can significantly decrease the stress associated with being involved in a car crash and allow you to receive immediate and necessary medical treatment. 

In the complex landscape of insurance policies, navigating the nuances of Personal Injury Protection (PIP) and Medical Payments Coverage (MedPay) requires expertise and understanding. To ensure that you are maximizing your benefits and recovery following a car accident, seeking guidance from experienced attorneys is paramount. 

The team of attorneys at Rittgers Rittgers & Nakajima brings decades of collective experience to the table, offering comprehensive legal support and personalized guidance tailored to your unique situation. With free consultations available, there’s no reason to navigate the aftermath of a car accident alone. Let our team help you navigate the intricacies of insurance policies and advocate for the compensation you deserve.