The multiplier method with Ohio's actual rules applied — modified comparative — 51% bar, a 2-year filing window — every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice — every claim is different.
You recover if your fault is not greater than everyone else's combined (≤50%); the award is reduced by your percentage. — ORC §2315.33
2 years for bodily injury — ORC §2305.10. The clock is jurisdictional — one day late and no court will hear the case.
At-fault state — no PIP mandate. — ORC ch. 4509
Minimum liability coverage: 25/50/25 — $25,000 per person, $50,000 per accident, $25,000 property damage. — ORC §4509.51 — policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Because pain and suffering is capped at 3× economic damages (max $350k) in non-catastrophic cases, documented economic damages — not the multiplier — are the settlement driver in Ohio. High-multiplier arguments hit the statutory ceiling; thorough bills-and-wages documentation doesn't.
The same multiplier method used everywhere — (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage — then Ohio's fault rule is applied: You recover if your fault is not greater than everyone else's combined (≤50%); the award is reduced by your percentage. The calculator on this page runs exactly that math and prints every line.
2 years for bodily injury (ORC §2305.10). Miss the deadline and the claim is barred permanently, no matter how strong it is — and claims against government entities often have much shorter notice requirements.
At-fault state — no PIP mandate.
Non-economic damages — capped in ordinary cases: Ohio caps pain and suffering in most tort cases: the greater of $250,000 or 3× economic damages, up to $350,000 per plaintiff ($500,000 per occurrence). The cap does not apply to catastrophic injuries (permanent deformity, loss of limb or organ system, or injuries preventing independent self-care). Punitive damages: Capped at 2× compensatory (lower for individuals/small employers).