Understanding 50/50 Fault in Ohio Auto Accidents: What to Expect
If you find yourself involved in an auto accident, navigating the aftermath can be quite overwhelming, especially when it comes to determining fault and understanding your rights. This was the case for me after a recent incident that left me with both physical injuries and questions about what I might be entitled to.
The Accident: A Brief Overview
In April, I was involved in a collision where it was determined that both parties were equally at fault—50/50—as assessed by our respective insurance companies. The incident occurred while I was making a left turn from a parking lot onto an access road, where only I had a stop sign. Despite stopping and looking both ways, I did not see the other vehicle approaching and was hit on the front corner of my car. The impact caused my car to spin, and both vehicles were ultimately totaled.
The other driver, an older woman, was taken to the hospital due to confusion after the accident, while I was transported via ambulance because I had sustained a broken arm and was 38 weeks pregnant. Fortunately, my baby was born healthy just five days later, but the injury to my arm has significantly impacted my life and ability to work.
The Aftermath: Medical Care and Lost Income
After the accident, I received immediate medical attention that included X-rays, a temporary splint, and a night of hospitalization for fetal monitoring. My broken arm has since required ongoing treatment, with additional visits to an orthopedic specialist due to delayed healing. Consequently, I’ve been unable to return to work and anticipate missing at least six weeks or more. Although I have short-term disability through my employer, I’m now questioning what further compensation I might be entitled to in light of the circumstances.
Insurance Complications and Offers
Shortly after the accident, I received a letter from the opposing party’s insurance company offering a minor sum of $750 for “bodily injury,” which I found surprising given the shared liability. The complications escalated as I engaged in phone communication with the insurance representatives for weeks. They initially seemed unaware of the severity of my injuries, which led to my claim being escalated for further review.
Upon connecting with a new claims representative, I learned that while my own medical insurance would cover costs, the preceding offer of $750 for pain and suffering had already been retracted. They requested additional documentation regarding my income and medical history before making a new offer.
