{"id":9302,"date":"2025-07-25T00:00:00","date_gmt":"2026-06-26T14:07:34","guid":{"rendered":"https:\/\/www.postmanlaw.com\/blog\/ohio-car-accident-laws-know-what-your-rights-are\/"},"modified":"2026-08-12T11:58:48","modified_gmt":"2026-08-12T15:58:48","slug":"leyes-de-ohio-sobre-accidentes-de-coche-conozca-sus-derechos","status":"publish","type":"post","link":"https:\/\/www.postmanlaw.com\/es\/blog\/ohio-car-accident-laws-know-what-your-rights-are\/","title":{"rendered":"Ohio Leyes de Accidentes de Coche: Conozca cu\u00e1les son sus derechos"},"content":{"rendered":"<section>Si has estado en un <a href=\"https:\/\/www.postmanlaw.com\/es\/chicago-il\/car-accident-lawyer\/\">accidente de tr\u00e1fico<\/a> in Ohio\u2014whether it happened on a busy Cincinnati street or a rural backroad\u2014it\u2019s important to understand the state\u2019s at-fault insurance rules, minimum coverage requirements, and what to do next.Below, we break down key aspects of Ohio car accident laws so that can be empowered to make informed decisions and protect your rights.\n<h2>1.\u00a0<strong>\u00bfEs Ohio un Estado \"culpable\"?<\/strong>?<\/h2>\n<ul>\n<li><strong>Qu\u00e9 significa:<\/strong>\u00a0Ohio sigue un sistema de culpa (tambi\u00e9n llamado un sistema de \"agravio\"), donde el conductor que caus\u00f3 el accidente es responsable de los da\u00f1os. Esto significa que si otro conductor se encuentra en falta, lo que equivale a 50.1% o m\u00e1s, puede solicitar una indemnizaci\u00f3n de su compa\u00f1\u00eda de seguros-o ellos personalmente-por facturas m\u00e9dicas, da\u00f1os al veh\u00edculo, salarios perdidos, dolor y sufrimiento, y otras p\u00e9rdidas.<\/li>\n<li><strong>Regla de la negligencia comparativa:<\/strong>\u00a0Ohio utiliza un est\u00e1ndar de \"negligencia comparativa modificada\" (<a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-2315.33\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio Revised Code \u00a7\u00a02315.33<\/a>). Si te declaran parcialmente culpable del accidente, tu indemnizaci\u00f3n puede verse reducida en funci\u00f3n de tu porcentaje de culpa. Si tienes m\u00e1s del 50% de culpa, normalmente no podr\u00e1s obtener indemnizaci\u00f3n de la otra parte.<\/li>\n<\/ul>\n<h2>2. \u00bfQu\u00e9 seguro de coche es obligatorio en Ohio?<\/h2>\n<ul>\n<li><strong>Requisitos m\u00ednimos estatales:<\/strong>\u00a0En virtud de la legislaci\u00f3n de Ohio (<a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-4509.101\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio Revised Code \u00a7\u00a04509.101<\/a>), todos los conductores deben tener al menos la siguiente cobertura:\n<ul>\n<li>$25.000 por lesiones corporales por persona<\/li>\n<li>$50.000 por lesiones corporales por accidente (si hay m\u00e1s de una persona lesionada)<\/li>\n<li>$25.000 por da\u00f1os materiales por accidente<\/li>\n<\/ul>\n<\/li>\n<li><strong>Cobertura UM\/UIM:<\/strong>\u00a0<a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-3937.181\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de motorista sin seguro (UM) y motorista con seguro insuficiente (UIM)<\/a>\u00a0no son obligatorias en Ohio, pero pueden a\u00f1adirse a su p\u00f3liza. La cobertura UM\/UIM puede ayudarle a protegerse si el conductor culpable no tiene seguro o tiene una cobertura insuficiente.<\/li>\n<li><strong>Por qu\u00e9 es importante:<\/strong>\u00a0Si el conductor culpable s\u00f3lo tiene el m\u00ednimo del estado - y sus da\u00f1os superan esa cantidad - puede que tenga que confiar en su propia pol\u00edtica UM \/ UIM o explorar otras v\u00edas legales. Si actualmente no tiene cobertura UM\/UIM en su p\u00f3liza de autom\u00f3vil, le recomendamos encarecidamente que la obtenga.<\/li>\n<li><strong>Cobertura de gastos m\u00e9dicos:\u00a0<\/strong>La cobertura de pagos m\u00e9dicos o \"med-pay\" es una cobertura opcional en todas las p\u00f3lizas de Ohio. Esta cobertura permite que sus facturas m\u00e9dicas sean pagadas por su compa\u00f1\u00eda de seguros de autom\u00f3viles directamente a sus proveedores o como reembolso a usted por las facturas que pag\u00f3 en relaci\u00f3n con el accidente.<\/li>\n<\/ul>\n<h2><strong>3. Notificaci\u00f3n del accidente de tr\u00e1fico y obtenci\u00f3n del informe del accidente<\/strong><\/h2>\n<ul>\n<li><strong>Cu\u00e1ndo informar:<\/strong>\u00a0If the accident results in injury, death, or property damage exceeding $1,000, you should immediately report the crash to the local police or highway patrol. This ensures an official record is created.\u00a0 Make a note of which police department responds to the scene of your accident and always request the officer\u2019s name, badge number, and Traffic Crash Report number.<\/li>\n<li><strong>Obtenci\u00f3n del informe:<\/strong>\u00a0You can request a copy of the crash report through the\u00a0Ohio Department of Public Safety\u00a0or the responding law enforcement agency.\u00a0 Insurance companies often use this report when evaluating claims, so it\u2019s important to verify the accuracy of the details.\u00a0 If you notice any mistakes on the initial Traffic Crash Report, tell the law enforcement agency as soon as possible so that they may correct or add an Addendum to the report.<\/li>\n<li><strong>Importante para los pasajeros:\u00a0<\/strong>Si usted es pasajero de un veh\u00edculo implicado en un accidente, a menudo los agentes no incluyen su informaci\u00f3n en el Informe de Accidente de Tr\u00e1fico. Acuda al organismo policial que realiz\u00f3 el atestado e insista en que lo incluyan en el Parte de Accidente de Tr\u00e1fico a efectos del seguro.<\/li>\n<\/ul>\n<h2><strong>4. Prescripci\u00f3n<\/strong><\/h2>\n<ul>\n<li><strong>L\u00edmite de tiempo:<\/strong>\u00a0En Ohio, por lo general tiene\u00a0<strong>dos a\u00f1os<\/strong>\u00a0desde la fecha del accidente para presentar una demanda por da\u00f1os personales (<a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-2305.10\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio Revised Code \u00a7\u00a02305.10<\/a>).\u00a0 This means that if you do not settle your claim or file a lawsuit within the two-year window, you will be forever barred from bringing a claim.<\/li>\n<li><strong>Por qu\u00e9 es importante:<\/strong>\u00a0El incumplimiento de este plazo podr\u00eda impedirle solicitar una indemnizaci\u00f3n. Aunque est\u00e9s negociando una reclamaci\u00f3n al seguro, no pierdas de vista el reloj para proteger tu derecho a presentar una demanda si es necesario.<\/li>\n<li><strong>Menores:\u00a0<\/strong>El plazo de prescripci\u00f3n para los menores es de dos a\u00f1os a partir de la mayor\u00eda de edad, lo que significa que los 20<sup>th<\/sup>\u00a0birthday for any injured minor.\u00a0 Parents may sign their minor children up under Ohio law, but the proceeds for most of the recovered money will be put into account for the child\u2019s benefit upon their 18<sup>th<\/sup>\u00a0cumplea\u00f1os.<\/li>\n<li><strong>P\u00e9rdida del Consorcio:\u00a0\u00a0<\/strong>Parents can receive some monies, as parents of injured minors, under the Loss of Consortium laws; meaning that the law recognizes you suffered because of your child\u2019s suffering and incurred monetary damages such as medical bills for your child.\u00a0 The Statute for LOC claims is identical to that of the minor child.<\/li>\n<\/ul>\n<h2>C\u00f3mo tratar con las compa\u00f1\u00edas de seguros<\/h2>\n<ul>\n<li><strong>No se precipite en los acuerdos:<\/strong>\u00a0The at-fault driver\u2019s insurer may offer a quick settlement. While it might seem tempting, especially if you\u2019re facing medical bills, it may not fully cover your long-term costs.\u00a0 Once you settle your claim and sign a Release, you cannot go back to the at-fault company for more money even if you continue to have medical issues.<\/li>\n<li><strong>Evite hacer declaraciones grabadas a solas:<\/strong>\u00a0You have the right to consult an attorney before giving an official statement to any insurance adjuster. Statements can be used against you to reduce your claim.\u00a0 It is strongly advised that you do not give any recorded statements to insurance adjusters outside the presence of your attorney.<\/li>\n<li><strong>Docum\u00e9ntalo todo:<\/strong>\u00a0Lleve un registro de las facturas m\u00e9dicas, las estimaciones de reparaci\u00f3n del veh\u00edculo, los salarios perdidos y cualquier otro gasto o p\u00e9rdida relacionados con el accidente.<\/li>\n<li><strong>Fotos:\u00a0<\/strong>Una imagen vale m\u00e1s que mil palabras cuando se trata de accidentes de tr\u00e1fico. Tome fotos de todos y cada uno de los veh\u00edculos implicados en la colisi\u00f3n. Tome fotos de la calle o intersecci\u00f3n donde tuvo lugar la colisi\u00f3n. Tome fotos de todas y cada una de las lesiones desde su inicio y a lo largo del tratamiento.<\/li>\n<li><strong>Informaci\u00f3n del conductor:\u00a0<\/strong>Regardless of whether there is a Traffic Crash Report or not, get the at-fault driver information at the scene, when possible.\u00a0 License plate numbers, VIN numbers (which can be found on the lower right side of windshields), driver name and address, driver\u2019s license number, and insurance information are of great importance.\u00a0 If there are errors in the Traffic Crash Report, this will protect your claim down the line.<\/li>\n<li><strong>Busque tratamiento m\u00e9dico inmediato:\u00a0<\/strong>If you are injured in an accident or want to be checked out by a medical professional after an accident, do so as soon as practical.\u00a0 Delaying your medical treatment can have consequences for your insurance claim.<\/li>\n<\/ul>\n<h2><strong>6. Por qu\u00e9 puede necesitar un abogado<\/strong><\/h2>\n<ul>\n<li><strong>Navegar por la culpa y los da\u00f1os:<\/strong>\u00a0Since Ohio is an at-fault state, proving who caused the accident can be complicated\u2014especially if multiple vehicles are involved or if there\u2019s a dispute over who is primarily responsible.\u00a0 Pulling camera footage, obtaining witness statements, and expert crash reconstruction are just a few of the things that an experienced attorney can help you do.<\/li>\n<li><strong>T\u00e1cticas de seguros:<\/strong>\u00a0Adjusters are skilled at minimizing payouts. An experienced personal injury lawyer understands these tactics and can help you negotiate a fair settlement.\u00a0 You simply cannot know all of your rights and everything that you are entitled to without speaking to an experienced attorney.<\/li>\n<li><strong>Consumo de tiempo:\u00a0<\/strong>After an accident, your only job should be to recover from your injuries.\u00a0 The gathering of all insurance information, medical records and bills, lien information, lost wages, photos and correspondence to and from the adjuster(s) is a very time-consuming process.\u00a0 Let an attorney handle those items while you are focusing on treatment and resuming your normal life.<\/li>\n<li><strong>Opci\u00f3n de litigio:<\/strong>\u00a0If negotiations fail, you may need to file a lawsuit. Having legal representation from the start can streamline this process and strengthen your position.\u00a0 Many attorneys refuse to represent someone that is close to the Statute of Limitations and has been unrepresented during the pendency of their claim.\u00a0 We strongly recommend obtaining counsel from the onset of your accident to ensure optimal results.<\/li>\n<\/ul>\n<h2>Ohio accidente de coche Insight de Postman Ley<\/h2>\n<p>Nuestra\u00a0<strong><a href=\"https:\/\/www.postmanlaw.com\/es\/cincinnati-oh\/abogado-de-lesiones-personales\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cincinnati<\/a><\/strong>\u00a0office has deep knowledge of Ohio\u2019s car insurance and personal injury laws.\u00a0 Our attorneys have twenty years of experience in Ohio and Kentucky personal injury representation.\u00a0 Having an attorney who knows the local adjusters and attorneys, can recommend chiropractors and physicians to you, and understands the internal workings of the various judge\u2019s courtrooms gives you a leg up against the insurance company.<\/p>\n<p>Estamos preparados para guiarle a trav\u00e9s de las complejidades de las reclamaciones por culpa, negligencia comparativa, acuerdos menores y cualquier otro obst\u00e1culo legal al que pueda enfrentarse.<\/p>\n<p>Con sedes adicionales en\u00a0<strong><a href=\"\/es\/chicago-il\/abogado-de-lesiones-personales\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chicago<\/a><\/strong>\u00a0y\u00a0<strong><a href=\"https:\/\/www.postmanlaw.com\/es\/minneapolis-mn\/abogado-de-lesiones-personales\/\" target=\"_blank\" rel=\"noreferrer noopener\">Minneapolis<\/a><\/strong>, we bring a broad perspective and formidable experience to empower clients across multiple states.\u00a0 Our elite staff knows how to deal with a personal injury claim from inception to closure, ensuring that you always get the best outcome.<\/p>\n<h2><strong>P\u00f3ngase en contacto con Postman Law para una consulta gratuita<\/strong><\/h2>\n<p>Si usted ha estado en un accidente de coche Ohio, no navegar por el proceso legal solo.\u00a0<strong>Llame hoy mismo a Postman Law<\/strong>\u00a0en el 844-POSTMAN o\u00a0<strong><a href=\"\/es\/pongase-en-contacto-con\/\" target=\"_blank\" rel=\"noreferrer noopener\">rellene nuestro formulario en l\u00ednea<\/a><\/strong>\u00a0para programar una\u00a0<strong>consulta gratuita<\/strong>. We\u2019ll listen to your story, explain your options, and help you fight for the compensation you deserve.\u00a0 We look forward to helping you through this difficult time.<\/p>\n<p>Recuerde que en Postman Law, \u00a1ofrecemos resultados!<\/p>\n<p><em>Cl\u00e1usula de exenci\u00f3n de responsabilidad: Esta entrada de blog tiene \u00fanicamente fines informativos y no constituye asesoramiento jur\u00eddico. Para obtener orientaci\u00f3n espec\u00edfica sobre su situaci\u00f3n, consulte a un abogado colegiado.\u00a0<\/em><\/p>\n<div><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve been in a car accident in Ohio\u2014whether it happened on a busy Cincinnati street or a rural backroad\u2014it\u2019s important to understand the state\u2019s at-fault insurance rules, minimum coverage requirements, and what to do next.Below, we break down key aspects of Ohio car accident laws so that can be empowered to make informed decisions &#8230;<\/p>","protected":false},"author":36,"featured_media":8627,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[112],"tags":[],"class_list":["post-9302","post","type-post","status-publish","format-standard","has-post-thumbnail","category-car-accident","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ohio Car Accident Laws: Know What Your Rights Are | Postman Law<\/title>\n<meta name=\"description\" content=\"Understand Ohio car accident laws, including fault rules &amp; filing deadlines. 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