Ohio Car Accident Settlement Calculator
Estimate a car accident settlement under Ohio law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Ohio law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Ohio bars recovery if plaintiff is 51% or more at fault.
Ohio Rev. Code § 2315.33·Source retrieved 2026-07-27
Ohio does limit non-economic damages in an ordinary injury case, so this is not a state without a cap. Whether the limit reaches your claim depends on the injury: it does not apply to a permanent and substantial deformity, the loss of use of a limb, the loss of a bodily organ system, or a permanent injury that leaves you unable to care for yourself. The limit is also a formula tied to your economic damages rather than a flat amount, so we will not put a figure on it here. Ask an Ohio attorney which limit applies to your injury.
Ohio car insurance law: minimums, PIP and uninsured motorist coverage
What Ohio's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Ohio: Minimum liability coverage
“No person shall operate, or permit the operation of, a motor vehicle in this state, unless proof of financial responsibility is maintained continuously throughout the registration period with respect to that vehicle, or, in the case of a driver who is not the owner, with respect to that driver's operation of that vehicle.”
“[…] subject to monetary limits exclusive of interest and costs, with respect to each such motor vehicle, as follows: (1) Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident; (2) Fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident; (3) Twenty-five thousand dollars because of injury to property of others in any one accident.”
The provision begins before this quote, and the part before it is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Ohio: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (R.C. 3937.18, 4509.101 and 4509.51).
Ohio: Uninsured and underinsured motorist coverage
“Any policy of insurance delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state that insures against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle, may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both uninsured and underinsured motorist coverages.”
Ohio: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (R.C. 3937.18, 4509.101 and 4509.51).
What partial fault costs you in Ohio
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Ohio law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Ohio deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Ohio periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Ohio Rev. Code § 2305.10·Source retrieved 2026-07-27
Open the personal injury calculatorOhio Rev. Code § 2305.113·Source retrieved 2026-07-27
Open the medical malpractice calculatorOhio Rev. Code § 2125.02(D)·Source retrieved 2026-07-27
Open the wrongful death calculatorOhio Rev. Code 4123.84 generally requires a claim within 1 year after the injury, subject to that section's own provisions.
Ohio Rev. Code 4123.84·Last reviewed 2026-07-28
Open the workers compensation calculatorOhio Rev. Code § 2305.10·Source retrieved 2026-07-27
Open the slip and fall calculatorOhio Rev. Code 2305.10 sets a 2-year period for bodily injury, and that is the period our verified research assigns to a dog-bite claim. Ohio also has a separate statutory dog-bite cause of action, and the research did not address whether a claim brought that way runs on a different clock. We publish the shorter figure so the deadline we show is never later than the one that governs. Confirm your own deadline with an Ohio attorney.
Ohio Rev. Code 2305.10·Last reviewed 2026-07-28
Open the dog bite calculatorOhio against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Ohio is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data. Ohio is one of them and we publish no figure for its limit, so nothing on this page reduces an estimate to one.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology