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Modified 51% bar rule. Reasonable settlement timelines compared to other states. Columbus, Cleveland, Cincinnati data included.
Ohio Modified 51% Bar Rule
Ohio follows modified comparative negligence with a 51% bar. Must be 50% or less at fault to recover damages. Ohio has reasonable settlement timelines (9-15 months average) compared to other states.
Statute of Limitations: 2 Years
| Case Type | Statute |
|---|---|
| Personal Injury | 2 years |
| Medical Malpractice | 1 year |
| Wrongful Death | 2 years |
Average Settlements
- Minor injuries: $8,000 - $25,000
- Moderate injuries: $40,000 - $110,000
- Serious injuries: $200,000 - $800,000
Top Cities
| City | Population | Settlement Trends |
|---|---|---|
| Columbus | 905K | High settlements |
| Cleveland | 373K | High settlements |
| Cincinnati | 309K | Moderate-high |
Ohio Insurance Minimums
Ohio requires drivers to carry the following minimum auto liability insurance coverage:
Required Minimum Coverage (Ohio)
- Bodily Injury: $25,000 per person / $50,000 per accident
- Property Damage: $25,000 per accident
Ohio requires 25/50/25 minimum auto liability coverage. Uninsured motorist coverage is optional but recommended. Ohio does not require PIP coverage.
Settlement Amounts by Injury Type in Ohio
Settlement values vary widely depending on how badly you were hurt. These ranges are based on typical outcomes in Ohio courts and insurance negotiations. Your case could be higher or lower depending on the specifics.
| Injury Type | Typical Settlement Range | Multiplier Used |
|---|---|---|
| Whiplash / Soft Tissue | $8,000 - $22,000 | 1.5x - 2.5x |
| Fractures | $28,000 - $80,000 | 2x - 3.5x |
| Herniated Disc | $35,000 - $110,000 | 2.5x - 4x |
| Concussion / Mild TBI | $28,000 - $85,000 | 2x - 3x |
| Burns | $45,000 - $180,000 | 3x - 5x |
| Back / Spinal Injury | $75,000 - $370,000 | 3.5x - 5x |
| Knee / Shoulder Surgery | $45,000 - $135,000 | 2.5x - 4x |
| Wrongful Death | $450,000 - $2,500,000+ | N/A |
These numbers reflect cases where the other party was clearly at fault. If you share some blame, your recovery will be reduced by your percentage of fault under Ohio's negligence rules.
Damages Caps in Ohio
Ohio caps non-economic damages at the greater of $250,000 or three times economic damages, up to $350,000 per plaintiff. Medical malpractice non-economic damages are capped at $250,000 to $500,000 depending on the number of plaintiffs. Punitive damages are capped at two times compensatory damages.
Frequently Asked Questions
What is Ohio's statute of limitations?
Ohio has a 2-year statute of limitations for personal injury (Ohio Revised Code § 2305.10). For medical malpractice, it's 1 year from discovery or 4 years from the act (whichever comes first). Product liability is also 2 years.
How does Ohio's comparative negligence law work?
Ohio uses modified comparative negligence with a 51% bar (Ohio Revised Code § 2315.33). You can recover if 50% or less at fault, with damages reduced by your fault percentage. At 51%+ fault, you receive nothing.
What is the average settlement in Ohio?
Ohio settlements average $30,000 to $100,000. Columbus, Cleveland, and Cincinnati cases settle similarly. Reasonable settlement timelines (9-15 months average). Minor injuries: $10K-$28K. Moderate: $40K-$95K. Severe: $180K-$1M.
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