Car accidents happen. In fact, there were more than 6.2 million police-reported crashes in 2015 in the United States, according to the National Highway Traffic Safety Administration. And someone is responsible for each of these accidents. While the negligence of another driver often leads to a wreck, your actions may have also contributed to or caused your crash, which can affect your ability to recover compensation. For help determining who was at fault, call a Cincinnati, Ohio personal injury attorney.
What are some common causes of Cincinnati car accidents?
Determining fault plays a key role in compensation after a car crash. Insurers and courts must determine who was negligent in order to decide who is responsible for the monetary costs of an accident. You may be at-fault in an accident if you:
- Disobeyed a red light or other traffic signal
- Failed to use turn signals
- Exceeded the speed limit
- Failed to yield the right of way
- Drove in a way that is not appropriate for conditions
- Crossed the center line
- Drove while distracted, intoxicated, or fatigued
If you believe you were even partially at-fault in an injury accident, contact a Cincinnati, Ohio car accident attorney as soon as possible after the crash.
There are a number of factors that contribute to every car accident, and some of them may be out of your control. A knowledgeable lawyer can help you defend against negligence claims and navigate the process of getting the compensation you need to repair your vehicle and pay your medical bills.
What insurance covers me if I am at fault?
Ohio law requires you to carry liability insurance, but this coverage only pays for the damages suffered by other motorists when you caused the crash. This means that if you only carry the required minimum, you may have to pay for your own medical care and car repair out of pocket.
However, if you purchased additional coverages like the following, you may only need to pay a deductible:
- Collision policy: This type of coverage pays for the repair to your vehicle after an accident, minus the deductible.
- Medical payments coverage: This coverage pays for medical expenses related to a crash, or funeral expenses if you die due to your injuries. If you have health insurance, you may not need this policy, depending on the stipulations of your healthcare coverage.
What if I am only partially at fault?
Ohio’s comparative negligence laws allow you to recover compensation from any driver who was more at-fault in a crash than you were. This means that even if you were partially at-fault in an accident, you may have recourse to file an insurance claim or lawsuit to collect money to cover your expenses.
If the court determines you were 10 percent at-fault in a crash, you can collect compensation for up to 90 percent of your damages. If you were more than 50 percent at-fault, other drivers can attempt to collect compensation from you even if they were also partially at-fault.
How can Levy Law Offices help me?
If you believe you may have played a role in causing a Cincinnati car accident, Levy Law Offices can help. We understand how stressful this situation can be, and can help you mitigate your role in the crash and protect your financial well-being. If possible, we will ensure you recover the compensation you need to cover your losses. Call us 24/7 at 513-651-CASH to learn more.