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Ohio Insurance Defense Questions & Answers
1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Ohio on
Q: Borrowed a family members car was involved in a car accident. Found out the family member did not have car insurance

I borrowed car for 1 day while car was in shop to get to work. I found out after I was in car accident due to black ice hit a parked car On the street who was parked by the curb. that the car I borrowed from a family member did not have insurance. The family member has told me they did have... View More

Peter N. Munsing
Peter N. Munsing
answered on Jan 17, 2018

But you carried insruance that covered you for liability so you should be OK. If you want, get a consult from an attorney who handles citations. Bring proof that you had coverage through your company at the time of the wreck. Notify your company.

1 Answer | Asked in DUI / DWI and Insurance Defense for Ohio on
Q: Mom got DUI in truck that is in my name, and had no insurance on it which I thought she did. Will I get in trouble?

I did not know she was drinking and driving, also didn't know she never had insurance on it.

Douglas A. Ball
Douglas A. Ball
answered on Nov 20, 2017

You need to contact an attorney in the area where the alleged charges were brought as soon as possible, if you have not done so already. The State has several options available to them on how to proceed, and you need an attorney versed in the law to discuss your options with you. This could be a... View More

1 Answer | Asked in Insurance Defense, Intellectual Property and Consumer Law for Ohio on
Q: My insurance policy ended on 9th. Later on in the day when I realized I purchased different insurance from geico online

45 mins. Later husband got off work and rear ended someone and now both insurances refuse to cover. Geico says there was 5 min. Difference in when I started which is not true. When I finished purchasing it said I was covered. When husband called and needed proof of insurance for cop I called geico... View More

Bruce Martin Broyles
Bruce Martin Broyles
answered on Sep 13, 2017

You need to obtain the electronic mail to and from Gieco to determine whether policy was in effect. In addition, your previous insurance company may have continued the policy of insurance for a short period of time after the cancellation for non-payment.

If you cannot obtain the email...
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1 Answer | Asked in Personal Injury and Insurance Defense for Ohio on
Q: Can I be held liable for my 18 year olds auto accident, car and insurance in his name?

He lives at home and goes to school

Peter N. Munsing
Peter N. Munsing
answered on Jan 28, 2017

Generally you aren't responsible for your kids in that regard unless the car was in your name and you lacked adequate coverage. If it's his name and lacked adequate coverage he might be able to get additional coverage on yours but that's not tooo likely the way policies are written now.

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Ohio on
Q: I bought a car for someone . They got in a car accident. They have no insurance.Is it my fault and if so what can happen
Peter N. Munsing
Peter N. Munsing
answered on Oct 5, 2016

Assuming they are over 18, they are responsible for their wrecks. Question is whose name is it in and if there is insurance,and whose fault the wreck was. If you are on the car as owner then if they were a known risk you may have some exposure not for causing the crash but for giving a car to... View More

1 Answer | Asked in Personal Injury and Insurance Defense for Ohio on
Q: Rear-ended someone after passing a green light (5-10mph). What are my rights if I was break-checked...

Getting off the highway after light just turned green, she hit her breaks to turn left onto the bridge off the exit inner lane, accelerated, I start to accelerate, she slams on her breaks. I breaked, but not fast enough because I was just getting around the turn & around a line of stopped... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Sep 19, 2015

If you rear-ended someone, you just-about certainly were following too closely. You should ALWAYS leave enough room between you and the car in front of you, so as to guard against EXACTLY this sort of thing happening. So no, I don't think you have a defense.

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