Auto Insurance Claims Law in Ohio
According to AllAboutCarAccidents.com, the first step to understanding the claims laws in Ohio is to understand your insurance policy. Ohio law gives you certain rights when it comes to making a claim on your auto insurance.
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Rights
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When making a claim after an accident, you have the right to choose where you get your car repaired, unless there are limitations stated in your insurance policy. You have the right under Ohio insurance law to negotiate with the insurance company adjuster, or have a quick good-faith settlement offer as a result of an insurance claim. You are legally entitled to use any arbitration process stated in your insurance policy.
Records
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Ohio insurance laws require that you record as much information as possible at the scene of an accident. Take notes about the details of the accident. Speak to witnesses, where appropriate, and get all of the details of any other drivers involved. You will be required to fill out a claim form, with these details included, and possibly meet with a claims adjuster.
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Bad Faith
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AllAboutCarAccidents.com says there are Ohio bad-faith laws in place to protect you from insurance companies acting in bad faith, with regard to insurance claims. Bad faith is when an insurance company delays payment, refuses to pay, or pays less than the amount you are owed according to your insurance policy. If you suspect you are a victim of bad faith, seek the advice of an attorney.
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References
- Photo Credit Crash on the street. German auto model 2007. image by Dariusz Kopestynski from Fotolia.com
