Your Rights After An Accident in Ohio

Know your legal right to choose your repair shop To ensure your car is properly repaired after an accident

Your Rights After an Accident in Ohio

Ohio law provides consumer protections after an auto accident, but those rights are rarely explained clearly during the insurance claim process.

This page explains what insurance companies must do in Ohio, what they cannot do, and what you should understand before repairs begin.

You Have the Right to Choose the Repair Shop

In Ohio, you have the right to choose the repair shop that fixes your vehicle. Insurance companies may recommend shops, but they cannot require you to use one.

Choosing your own repair shop does not void coverage, reduce your claim payment, or remove warranty protections.

Insurance Companies Cannot Steer Repairs

Ohio regulations prohibit insurers from using pressure, misleading statements, or unnecessary delays to influence repair decisions.

Claims that repairs will take longer, cost more, or be lower quality because of your shop choice reflect insurer preferences, not your legal rights.

Initial Repair Estimates Are Often Incomplete

Insurance estimates in Ohio are often written quickly to move the claim forward and establish a starting point.

These estimates are not final repair plans. Missing procedures, inspections, and safety related steps are common, especially on photo based or preliminary estimates.