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Author: Duncan Selph

What Is Estate Planning? A Simple Guide for Ohio Families

Posted on by Duncan Selph

When most people hear “estate planning,” they picture something reserved for the ultra-wealthy. But the truth is—estate planning is for everyone, regardless of income, age, or the size of your estate. Whether you’re a young parent, a retiree, or just someone who wants to protect their loved ones, a solid estate plan ensures your wishes are honored and your family is protected.

At SELPH LAW, we help Ohio families create customized estate plans that provide peace of mind and long-term security. Here’s what you need to know.

What Is Estate Planning?

Estate planning is the process of legally arranging what happens to your assets, your children, and your medical decisions if you become incapacitated or pass away. It ensures your wishes are followed—and not left up to the state or the courts.

A comprehensive estate plan may include:

A Last Will and Testament

A Trust (revocable or irrevocable)

Powers of Attorney (financial and healthcare)

A Living Will

Guardianship designations for minor children

Beneficiary designations for life insurance, retirement accounts, etc.

Estate planning is about more than distributing wealth—it’s about protecting your family, avoiding unnecessary legal battles, and reducing emotional stress during a difficult time.

Why Every Ohio Family Should Have an Estate Plan

If you don’t have an estate plan, the state of Ohio has one for you—and it may not reflect your wishes.

Without a plan:

Your assets may be tied up in probate court for months or years

The court, not you, decides who gets what

Minor children could be placed with a guardian you wouldn’t have chosen

Loved ones may face conflicts, confusion, and legal expenses

✅ Pro Tip: Estate planning now saves your family time, money, and emotional strain later.

Key Documents in an Ohio Estate Plan

📝 Will

A legally binding document that outlines who inherits your property and who will care for your minor children. It must be signed and witnessed according to Ohio law.

🏛️ Trust

A legal structure that holds assets for your beneficiaries. Trusts help you avoid probate, keep things private, and manage wealth distribution. (We’ll cover this in a separate blog post!)

💼 Power of Attorney (POA)

Designates someone to make financial or legal decisions on your behalf if you’re unable to do so.

❤️ Healthcare Power of Attorney

Allows someone you trust to make medical decisions for you if you’re incapacitated.

📜 Living Will

Outlines your wishes regarding end-of-life care, including resuscitation, life support, and other critical interventions.

When Should You Create or Update Your Estate Plan?

Major life events are a good time to create or revisit your plan:

Marriage or divorce

Birth or adoption of a child

Buying a home or property

Retirement or inheritance

Significant change in health or finances

✅ Estate planning isn’t a one-and-done task. We recommend reviewing your documents every 3–5 years or after any major life change.

How SELPH LAW Helps Ohio Families Plan for the Future

We take a personalized approach to estate planning. We’ll walk you through every step, explain your options, and help you make decisions that reflect your values, goals, and family needs.

At SELPH LAW, we:

Draft legally sound wills, trusts, and POAs

Guide you through complex family or financial situations

Help you avoid probate or unnecessary taxation

Provide clarity and peace of mind

📞 Call (614)-453-0971 to schedule a confidential estate planning consultation today.

Final Thoughts: Estate Planning Is a Gift to Your Family

Estate planning isn’t just about legal documents—it’s about protecting your legacy, your children, and the people you love most.

Whether you’re just getting started or need to update an existing plan, the best time to act is now. Let SELPH LAW help you plan wisely and live confidently.

Tragic Loss in Cleveland: Four Teens Killed in High-Speed Crash

Posted on by Duncan Selph

On March 12, 2025, a devastating accident in Cleveland, Ohio, claimed the lives of four teenagers: Caurie Williams (19), Eddy Deandre Bonner (18), Tamera Davis (14), and Kalise McGee (14). The incident occurred when the driver, Bonner, lost control of a stolen 2014 Hyundai Sonata, causing the vehicle to collide with two trees and another car. The impact was so severe that three occupants were ejected from the vehicle; all four teens were pronounced dead at the scene. ​

This heart-wrenching event has left families and the community grappling with profound grief and unanswered questions. Parents of the victims have expressed their devastation, with some indicating that the younger teens may not have been aware that the car was stolen. Mourners have gathered at the crash site to pay their respects, highlighting the deep impact this tragedy has had on the local community.

Understanding Legal Rights After a Fatal Car Accident

In the aftermath of such a tragic loss, families often face not only emotional turmoil but also financial hardships. Medical expenses, funeral costs, and the loss of future income can be overwhelming. In Ohio, families who have lost a loved one due to another’s negligence or wrongful actions may have the right to pursue a wrongful death claim.​

What Is a Wrongful Death Claim?

A wrongful death claim is a legal action that seeks compensation for the survivors’ loss, such as lost wages from the deceased, lost companionship, and funeral expenses. In Ohio, the personal representative of the deceased’s estate typically files this claim on behalf of the surviving family members.​

Who Can File a Wrongful Death Claim in Ohio?

Under Ohio law, the following family members may be eligible to receive compensation through a wrongful death claim:​

Spouse​
Children (including adopted children)​
Parents of the deceased​
Compensation in Wrongful Death Cases

Compensation in wrongful death cases may cover:​

Funeral and burial expenses​
Medical bills related to the deceased’s final illness or injury​
Loss of the deceased’s expected income​
Loss of companionship and consortium​
Mental anguish suffered by surviving family members​

Why Legal Representation Matters

Navigating the legal complexities of a wrongful death claim requires experience and sensitivity. An experienced personal injury attorney can:​

Investigate the circumstances surrounding the accident​
Gather and preserve critical evidence​
Negotiate with insurance companies on behalf of the family​
Advocate for fair compensation in court, if necessary​
SELPH LAW: Compassionate Advocacy for Ohio Families

At SELPH LAW, we understand the profound pain that comes with the unexpected loss of a loved one. Our dedicated team is committed to providing compassionate and effective legal representation to families in Columbus and throughout Ohio. We work tirelessly to ensure that those responsible are held accountable and that families receive the compensation they need to begin healing.​

Contact Us for Support

If you have lost a loved one in a car accident and believe you may have a wrongful death claim, we are here to help. Contact SELPH LAW at (614)-453-0971 for a free, confidential consultation. Let us guide you through this challenging time with the care and dedication you deserve.​

Note: The information provided in this article is for educational purposes only and should not be construed as legal advice. Each case is unique, and specific legal guidance should be sought from a qualified attorney.

What Families Need to Know After a Fatal Car Accident in Ohio

Posted on by Duncan Selph

Losing a loved one in a car accident is one of the most painful experiences anyone can face. The grief is overwhelming, the questions seem endless—and if the accident was caused by someone else’s negligence, that heartbreak is compounded by injustice.

At SELPH LAW, we help families across Ohio get answers and pursue justice through wrongful death claims after fatal crashes. If your loved one was killed in an accident, you don’t have to face the legal system alone. Call (614)-453-0971 for a FREE, private consultation.

What Is a Wrongful Death Claim After a Car Accident?

In Ohio, a wrongful death claim is a legal action filed when someone dies due to another party’s negligent or reckless behavior. These lawsuits are typically filed by the personal representative of the deceased’s estate, on behalf of surviving family members.

A wrongful death claim can help surviving loved ones recover compensation for:

Funeral and burial expenses

Medical bills related to the final injury

Loss of financial support

Loss of companionship and care

Mental anguish of surviving family members

Common Causes of Fatal Car Accidents in Ohio

We’ve handled wrongful death claims from fatal crashes involving:

Distracted driving (texting, phone use)

Drunk or drugged driving

Reckless speeding or aggressive driving

Commercial truck accidents

Poorly maintained roads or vehicle defects

When a death is preventable, it’s not “just an accident”—it’s a tragedy caused by negligence. We make sure those responsible are held accountable.

Who Can File a Wrongful Death Claim in Ohio?

Under Ohio law, the following surviving family members may be eligible to receive compensation:

Spouse

Children (including adopted children)

Parents of the deceased

The claim must be filed by the personal representative of the estate, often named in the will or appointed by the court. SELPH LAW can assist with the probate process and ensure all deadlines are met.

✅ Statute of Limitations: You have two years from the date of death to file a wrongful death claim in Ohio. Don’t wait.

What Compensation Is Available in a Fatal Accident Case?

While no amount of money can replace your loved one, financial compensation can ease the burden of the future.

Families may recover damages for:

Funeral and burial costs

Medical bills leading up to death

Loss of the deceased’s income and benefits

Loss of consortium (love, companionship, guidance)

Mental and emotional suffering

Punitive damages (in extreme cases of negligence or recklessness)

Why You Need an Experienced Wrongful Death Attorney

Fatal accident cases are complex and emotional. Insurance companies often delay, deflect, or offer far less than what a family deserves.

At SELPH LAW, we handle everything for you:

Thorough investigation of the crash

Handling all insurance and legal negotiations

Working with medical and accident reconstruction experts

Building a powerful case for maximum compensation

Taking the case to trial if needed

✅ We protect your family’s future while you focus on healing.

What to Do Immediately After a Fatal Car Accident

1️⃣ Secure the death certificate and any crash reports
2️⃣ Do not speak with the at-fault party’s insurance company
3️⃣ Gather evidence and witness information, if possible
4️⃣ Contact an attorney as soon as possible

📞 SELPH LAW is here to help—call (614)-453-0971 for a confidential, no-cost consultation.

You’re Not Alone. Let SELPH LAW Help You Seek Justice.

Wrongful death claims aren’t just about money. They’re about accountability, closure, and protecting your family’s future.

If someone else’s careless decision took your loved one from you, we will fight for justice on your behalf. You’ve suffered the ultimate loss—you deserve answers, and you deserve compensation.

📞 Call SELPH LAW at (614)-453-0971 today for your FREE consultation.

The Injuries Insurance Companies Take Seriously (And the Ones They Don’t)

Posted on by Duncan Selph

Let’s be real—not all car accident injuries are treated the same, especially by insurance companies. You might be in serious pain. You might have missed work. You might be struggling. But if your injury doesn’t meet their definition of “serious”? They’ll try to brush you off, lowball you, or deny your claim outright.

At SELPH LAW, we don’t play that game. We know how to get insurance companies to pay attention—and we know which injuries they take seriously because they cost them serious money. If you’ve been in a crash and you’re dealing with a major injury, call us at (614)-453-0971 for a FREE case review.

Let’s Talk About What “Serious Injury” Means to an Insurance Company

Insurance companies don’t care how you feel. They care about what they have to pay. That means they take injuries seriously when:

They require emergency treatment or hospitalization

They show up clearly on imaging (MRI, CT, X-rays)

They involve surgery, long-term care, or disability

They result in visible disfigurement, scarring, or permanent impairment

Everything else? To them, it’s “soft tissue” and “subjective.” Translation: they’ll fight you on it.

Injuries Insurance Companies TAKE Seriously:

✔️ Broken Bones

Fractures show up clearly on X-rays. They’re hard to deny, and they come with real medical costs and recovery time.

✔️ Spinal Injuries (Especially With Herniated or Bulging Discs)

MRI-confirmed disc injuries that require injections, surgery, or prevent you from working? Big-time value.

✔️ Traumatic Brain Injuries (TBI)

Even “mild” TBIs can have massive payouts if documented right. We’ve seen concussions and cognitive symptoms become multi-six-figure cases.

✔️ Internal Injuries or Organ Damage

These can be life-threatening and often require emergency surgery. Insurance companies know these are expensive—and risky if they go to trial.

✔️ Amputations, Burn Injuries, and Permanent Disability

These are life-altering injuries with long-term costs, loss of earning capacity, and major emotional impact. High-value cases, period.

✔️ Hospital Admissions and Surgeries

Even if your injury doesn’t sound catastrophic, an overnight hospital stay or surgery forces the insurance company to take you seriously.

Injuries Insurance Companies DON’T Take Seriously (Even When They Should):

❌ Whiplash and Neck Strain (Without Imaging or ER Visit)

If you didn’t go to the hospital or don’t have an MRI? They’ll call it “just a sprain” and offer you next to nothing.

❌ Soft Tissue Injuries With Delayed Treatment

If you didn’t get medical attention within a day or two of the crash, the insurance company will say your pain isn’t related.

❌ “Minor” Concussions Without Objective Evidence

Unless you have documented loss of consciousness, ER records, or neurological follow-up, they’ll claim you’re just “stressed.”

❌ Emotional Distress Without Physical Injury

Insurance adjusters don’t pay for emotional trauma unless it’s tied to visible or medically-supported physical injury.

How This Helps You as a Potential Client

We want to be clear: we believe you. But the legal system and insurance companies run on documentation and damage models. If you’re dealing with one of the high-value injuries listed above, you need an attorney who knows how to prove it, protect it, and pursue the full value.

That’s what we do.

If your injury is one the insurance companies take seriously—we take it seriously too. We’ve recovered massive settlements for clients with the right evidence, treatment, and timing.

✅ Call SELPH LAW at (614)-453-0971 to see what your case is really worth.

What You Should Do Right Now If You’ve Been Seriously Injured

1️⃣ Get Medical Attention Immediately – Go to the ER, urgent care, or your primary doctor.

2️⃣ Get Imaging Done – X-rays, MRIs, and CT scans help prove your injury is real and serious.

3️⃣ Don’t Talk to the Insurance Company – They will try to downplay everything you say. Let us speak for you.

4️⃣ Call SELPH LAW for a FREE Case Review – We’ll let you know what kind of case you have and how we can help.

Call SELPH LAW – We Take Big Injury Cases Seriously

We’re not here for lowball claims and minor bumps. We’re here for real people with real injuries who need a firm that knows how to maximize value and fight back.

📞 Call (614)-453-0971 now for your FREE consultation. No fees unless we win. Let’s talk about what your injury is truly worth.

Hit by an Uninsured Driver in Ohio? Here’s What You Need to Know

Posted on by Duncan Selph

Getting into a car accident is stressful enough—but finding out the driver who hit you doesn’t have insurance? That can feel like insult on top of injury. Unfortunately, thousands of Ohio drivers are uninsured or underinsured, leaving innocent accident victims wondering how they’ll cover medical bills, car repairs, and lost wages.

At SELPH LAW, we help people just like you recover compensation—even when the at-fault driver doesn’t carry proper insurance. Call (614)-453-0971 for a FREE case review and find out how we can help protect your future.

Ohio Law Requires Insurance—But Not Everyone Follows the Rules

Ohio law requires all drivers to carry minimum liability coverage, including:

$25,000 for injury/death per person

$50,000 for injury/death per accident

$25,000 for property damage

But many drivers break the law or carry bare minimum policies that don’t come close to covering your losses in a serious crash.

✅ Pro Tip: Even if the at-fault driver gives you an insurance card, that doesn’t guarantee they have active coverage. Many policies lapse due to nonpayment.

What Happens If the At-Fault Driver Has No Insurance?

If the driver who caused your accident is uninsured, you still have options—but they’re more complicated. Here’s what may happen:

Option 1: File a Claim With Your Own Insurance (UM/UIM Coverage)

If you have uninsured/underinsured motorist (UM/UIM) coverage on your auto policy, you can file a claim with your own insurer to cover:

Medical bills

Lost wages

Pain and suffering

Vehicle damage

✅ Important: UM/UIM coverage is optional in Ohio, but highly recommended. Check your policy—or ask us to review it for free.

Option 2: Sue the Uninsured Driver Personally

You can file a personal injury lawsuit against the at-fault driver, but collecting compensation is often difficult—uninsured drivers usually don’t have the income or assets to pay what they owe.

✅ Pro Tip: Sometimes, we uncover hidden assets or other liable parties (like employers or vehicle owners) that can be held accountable.

Option 3: Identify Other Liable Parties

Depending on the circumstances, you may be able to hold additional parties responsible, such as:

A bar or restaurant that overserved a drunk driver (dram shop liability)

A vehicle manufacturer if a defect contributed to the crash

A municipality for dangerous road conditions or missing signage

✅ At SELPH LAW, we leave no stone unturned in identifying every possible source of compensation.

Why You Need a Lawyer If the Other Driver Is Uninsured

These cases are complex and insurance companies often deny or delay UM/UIM claims. You need an experienced personal injury attorney who knows how to:

Investigate insurance coverage and policy limits

Prove the full extent of your injuries and damages

Fight unfair insurance denials and lowball offers

Take your case to court if necessary

Common Mistakes After a Crash With an Uninsured Driver

❌ Accepting a small cash payment from the at-fault driver
❌ Not calling the police (you need an official report!)
❌ Failing to notify your insurance company within their deadline
❌ Not hiring a lawyer early enough to preserve your claim

✅ Your best move? Call SELPH LAW at (614)-453-0971 as soon as possible.

What You Can Recover After Being Hit by an Uninsured Driver

Even if the at-fault driver has no insurance, you may still be able to recover compensation for:

Emergency medical care

Ongoing treatment or surgery

Rehabilitation and therapy

Lost wages and future earning capacity

Pain and suffering

Permanent disability or disfigurement

Every case is different. Let us review yours—for free.

Call SELPH LAW – Your Advocate After an Uninsured Driver Accident

Don’t let an uninsured driver leave you footing the bill. We’ll fight to get you the compensation you deserve. At SELPH LAW, we understand how to navigate these tough cases and make insurance companies pay attention.

📞 Call (614)-453-0971 now for a FREE case review. We work on a contingency fee, so you don’t pay unless we win.

Traumatic Brain Injuries After Car Accidents in Ohio: What Victims Need to Know

Posted on by Duncan Selph

Not all car accident injuries are visible. In fact, some of the most serious injuries are hidden beneath the surface—like a traumatic brain injury (TBI). Whether it’s a mild concussion or a life-altering brain trauma, a TBI can change your entire future in a matter of seconds.

At SELPH LAW, we’ve represented countless victims across Columbus and throughout Ohio who suffered traumatic brain injuries due to someone else’s negligence. If you or a loved one is dealing with the aftermath of a TBI caused by a car accident, call (614)-453-0971 for a FREE case review.

What Is a Traumatic Brain Injury (TBI)?

A traumatic brain injury is any injury that disrupts normal brain function due to a blow, jolt, or penetrating head injury—all of which are common in high-speed car crashes, truck accidents, or rollover collisions.

Common Types of TBIs in Car Accidents:

Concussions

Contusions (brain bruising)

Diffuse axonal injuries (severe damage to brain tissue)

Skull fractures

Secondary injuries from swelling or bleeding in the brain

Even a mild TBI can lead to serious symptoms and long-term disability if not diagnosed and treated properly.

Symptoms of a TBI After a Car Accident

TBI symptoms may appear hours, days, or even weeks after an accident. Don’t assume you’re okay just because you didn’t lose consciousness.

Warning Signs Include:

Memory loss or confusion

Headaches that won’t go away

Nausea or vomiting

Trouble concentrating or speaking

Blurred vision or dizziness

Sleep disturbances

Mood swings, anxiety, or depression

✅ Pro Tip: If you notice any of these symptoms after a car accident, seek medical attention immediately—even if the ER cleared you. Then call SELPH LAW to protect your legal rights.

The Long-Term Impact of Traumatic Brain Injuries

TBIs can result in months or years of recovery, and in some cases, permanent cognitive impairment or disability. This can affect every area of your life:

Returning to work or school

Maintaining relationships

Managing finances and independence

Daily self-care and mental health

Your injury might not be visible to the outside world—but it still deserves to be taken seriously by the insurance company, the legal system, and the people responsible for your crash.

How TBIs Are Often Undervalued by Insurance Companies

Insurance companies are notorious for minimizing invisible injuries, especially TBIs. They may:

❌ Claim your symptoms are from stress, not the accident
❌ Offer a small settlement before you understand the full extent of your injury
❌ Use your medical history against you (e.g., prior head trauma or mental health issues)

✅ At SELPH LAW, we fight back. We work with medical experts, neurologists, and economists to show exactly how the injury has impacted your life and what it will cost you in the future.

What Compensation Can You Recover for a TBI in Ohio?

If your brain injury was caused by someone else’s negligence, you may be entitled to compensation for:

Medical bills (past and future)

Rehabilitation and therapy costs

Lost wages and loss of future earning capacity

Pain and suffering

Mental anguish

Loss of quality of life

Severe TBI cases can result in six- or seven-figure settlements due to their lifelong impact.

Why You Need a Lawyer Who Understands Brain Injury Cases

Not every personal injury attorney has experience handling complex TBI claims—but we do. At SELPH LAW, we take these cases seriously and fight for the full value of what you’ve lost.

✔️ We coordinate with top neurologists, radiologists, and life care planners

✔️ We understand how to prove brain damage even when imaging is inconclusive

✔️ We build powerful cases that demand maximum compensation

What to Do If You Suspect a TBI After a Crash

1️⃣ Seek medical attention right away (don’t wait for symptoms to get worse)
2️⃣ Document everything—symptoms, doctor visits, medications, therapy
3️⃣ Don’t accept any settlement offers without legal advice
4️⃣ Call SELPH LAW at (614)-453-0971 for a free case review

Call SELPH LAW Today – Protect Your Future After a Brain Injury

A brain injury can change your life—but it shouldn’t define it. Let us help you secure the compensation you need to move forward. You only get one shot at getting this right. Don’t risk it alone.

📞 Call SELPH LAW now at (614)-453-0971 for your FREE consultation.

Rear-End Car Accidents in Ohio: What Injured Victims Need to Know

Posted on by Duncan Selph

Rear-end collisions are some of the most common car accidents on Ohio roads—and while they may seem minor at first, these crashes often lead to serious, long-term injuries and complex insurance battles. If you’ve been rear-ended in Columbus or anywhere in Ohio, you may be entitled to compensation for medical bills, lost wages, and pain and suffering.

At SELPH LAW, we help car accident victims get the justice and compensation they deserve. Call (614)-453-0971 now for a FREE case review.

Why Rear-End Accidents Are More Dangerous Than You Think

While many people think of rear-end accidents as “fender benders,” they can result in significant injuries, especially at high speeds or when larger vehicles like trucks are involved. Even a low-speed impact can cause whiplash or spinal damage.

Common Injuries from Rear-End Collisions:

Whiplash and neck injuries

Concussions and traumatic brain injuries (TBI)

Back and spinal cord injuries

Herniated discs

Shoulder and wrist injuries

Facial injuries from airbags or hitting the dashboard

✅ Important: Symptoms may not show up immediately. Always seek medical attention—even if you “feel fine.”

Who’s at Fault in a Rear-End Collision in Ohio?

In most cases, the rear driver is presumed to be at fault, but not always. Ohio follows comparative negligence laws, meaning the injured party can still recover compensation even if partially at fault—as long as they’re less than 51% responsible.

Examples of Rear-End Accident Scenarios:

The rear driver was following too closely or distracted (common cause)

The front driver braked suddenly with no warning

A third vehicle caused a chain reaction

✅ Pro Tip: Fault isn’t automatic. Insurance companies will still try to shift blame—especially in multi-car pileups.

What Compensation Can You Recover After a Rear-End Crash in Ohio?

Rear-end accidents often result in injuries that require weeks or months of treatment. You may be eligible for compensation for:

Medical expenses: ER visits, physical therapy, surgeries, prescriptions

Lost income: Missed work and reduced earning capacity

Pain and suffering: Physical pain and emotional trauma

Vehicle damage: Repair or replacement of your car

Future medical care: For ongoing treatment or long-term injury complications

How Insurance Companies Devalue Rear-End Accident Claims

Insurers love to minimize rear-end cases by claiming:

❌ “It was just a minor impact.”
❌ “You had pre-existing injuries.”
❌ “You didn’t seek treatment right away, so you must not be that hurt.”

✅ How SELPH LAW Fights Back:

We work with medical experts to prove the full extent of your injuries

We collect detailed evidence: photos, accident reports, witness statements

We handle all communication with the insurance company

What to Do After a Rear-End Car Accident in Ohio

1️⃣ Call 911 and report the accident
2️⃣ Get medical treatment immediately (even for minor symptoms)
3️⃣ Take photos and gather witness info
4️⃣ Avoid talking to insurance companies alone
5️⃣ Call SELPH LAW at (614)-453-0971 for a free case review

Why Choose SELPH LAW for Your Rear-End Accident Case?

✔️ Local Expertise: We know Ohio traffic laws and how to win against tough insurance companies.

✔️ Focused on Serious Injury Cases: We maximize value in high-stakes personal injury claims.

✔️ No Fees Unless We Win: You owe nothing unless we recover compensation for you.

✔️ 24/7 Free Case Reviews: Call us anytime to get started.

Get the Compensation You Deserve After a Rear-End Collision

Rear-end accidents may seem straightforward, but insurance companies often fight hard to pay as little as possible. Don’t go it alone. Let SELPH LAW protect your rights, prove your injuries, and secure the compensation you deserve.

📞 Call (614)-453-0971 today for your FREE consultation.

How Long Does a Car Accident Claim Take in Ohio? Understanding Your Timeline

Posted on by Duncan Selph

If you’ve been injured in a car accident in Ohio, you’re probably wondering: How long will it take to get my settlement? Unfortunately, there’s no simple answer—each case is unique, and the timeline depends on multiple factors, including the severity of your injuries, insurance negotiations, and whether a lawsuit is required.

At SELPH LAW, we’ve helped countless accident victims in Columbus and throughout Ohio get the compensation they deserve. If you’re frustrated with the claims process or need help speeding up your settlement, call (614)-453-0971 for a FREE case review.

Factors That Affect How Long a Car Accident Claim Takes in Ohio
While some car accident cases settle within a few months, others take a year or longer—especially if they go to court. Here are the key factors that determine how long your claim will take:

1. The Severity of Your Injuries
More serious injuries usually mean longer cases. If you suffered broken bones, spinal cord injuries, traumatic brain injuries (TBI), or permanent disabilities, your case will take longer because:

You need longer medical treatment, and settlement negotiations should account for future medical costs.

Insurance companies fight harder against high-value claims.

Your lawyer needs to gather extensive medical records and expert testimony to prove the full extent of your damages.

✅ Pro Tip: Never settle before finishing medical treatment. Accepting an early offer could leave you with unpaid future medical bills.

2. How Quickly You File Your Claim
Waiting too long to start the process can delay your settlement. Ohio has a two-year statute of limitations for car accident claims—if you miss this deadline, you lose your right to compensation.

✅ Pro Tip: Call an attorney ASAP after your accident to avoid unnecessary delays.

3. Insurance Company Delays & Negotiation Tactics
Insurance companies delay claims on purpose to wear you down and pressure you into accepting a lower settlement. Common delay tactics include:

❌ Taking weeks to respond to emails or calls.
❌ Repeatedly requesting unnecessary documentation.
❌ Blaming you for the accident to reduce their payout.

✅ Pro Tip: Hiring a lawyer forces insurance companies to take your claim seriously and respond faster.

4. Whether Liability is Disputed
If the other driver admits fault, your claim will move much faster. However, if they deny responsibility—or if multiple parties are involved—your case will take longer because:

Investigations are needed to prove fault.

Witness statements, police reports, and expert opinions must be gathered.

Lawsuits may be required to force the at-fault driver’s insurer to pay up.

✅ Pro Tip: Always call the police after an accident. A police report can be strong evidence in proving fault.

5. Whether Your Case Goes to Court
Most Ohio car accident claims settle out of court, but some go to trial, adding months (or even years) to the timeline. A lawsuit may be necessary if:

The insurance company refuses to offer a fair settlement.

Liability is being aggressively disputed.

Your damages are extremely high (e.g., permanent disability, wrongful death cases).

✅ Pro Tip: Hiring an experienced trial lawyer signals to insurance companies that you’re serious—and may encourage them to settle faster.

General Timeline of an Ohio Car Accident Claim
While every case is different, here’s a general step-by-step timeline for a personal injury claim in Ohio:

Step 1: Seek Medical Treatment (Immediately After the Accident)

Your health comes first. Always see a doctor—even if you feel okay—to document your injuries.

Step 2: File an Insurance Claim (1-3 Weeks After the Accident)

Your attorney will file claims with the at-fault driver’s insurance and possibly your own insurer if you have underinsured motorist coverage.

Step 3: Investigation & Evidence Collection (1-3 Months)

Your lawyer gathers medical records, police reports, witness statements, and expert opinions to build your case.

Step 4: Negotiation With the Insurance Company (3-6 Months)

Most cases settle at this stage—but only if the insurance company offers a fair payout.

Step 5: Filing a Lawsuit (If No Fair Settlement is Offered) (6+ Months)

If negotiations fail, your attorney will file a lawsuit, which can add months to years to the process.

Step 6: Settlement or Trial (Varies)

Most cases settle before trial, but if a trial is necessary, it can take over a year to conclude.

✅ Pro Tip: The sooner you hire an attorney, the faster your case will move.

How to Speed Up Your Car Accident Settlement
While you can’t control everything, you can take steps to speed up your settlement:

✔️ Get medical treatment ASAP and follow all doctor’s orders.
✔️ Hire an experienced car accident lawyer to handle negotiations.
✔️ Keep all evidence organized, including medical records, receipts, and witness information.
✔️ Avoid giving recorded statements to the insurance company without legal guidance.
✔️ Stay off social media—insurers can use your posts against you.

Call SELPH LAW for a Free Case Review – Don’t Let Insurance Companies Delay Your Claim!

If you’ve been injured in a car accident in Ohio, don’t wait. SELPH LAW will fight for your rights, handle all negotiations, and help you get the maximum compensation as quickly as possible.

📞 Call (614)-453-0971 now for a FREE case review. Let’s get your case moving today!

Ohio Car Accident Settlements: How Much Is Your Case Really Worth?

Posted on by Duncan Selph

If you’ve been injured in a car accident in Ohio, one of the first questions you probably have is: How much is my case worth? While there’s no universal answer, the value of your claim depends on several key factors—including the severity of your injuries, medical expenses, lost wages, and pain and suffering.

At SELPH LAW, we help accident victims in Columbus and throughout Ohio maximize their settlements and fight for every dollar they deserve.

Factors That Determine Your Ohio Car Accident Settlement
Every car accident case is unique, but the following factors play a major role in determining how much compensation you can recover:

1. Severity of Your Injuries
Your medical condition is the biggest factor affecting your settlement. The more severe your injuries, the higher your claim’s value.

Minor Injuries (e.g., sprains, bruises) → Lower settlements

Moderate Injuries (e.g., fractures, concussions, soft tissue damage) → Mid-range settlements

Severe Injuries (e.g., traumatic brain injury, spinal cord damage, permanent disability) → Higher settlements

✅ Maximize Your Settlement: Always seek immediate medical attention after an accident—even if you feel fine. Some injuries take time to appear, and delayed treatment can hurt your claim.

2. Medical Expenses
Your settlement should cover all medical bills related to the accident, including:

Emergency room visits

Surgeries and hospital stays

Physical therapy and rehabilitation

Medication and medical devices (e.g., crutches, braces)

Future medical costs for long-term injuries

✅ Maximize Your Settlement: Keep all medical records, receipts, and doctor’s notes as proof of your expenses.

3. Lost Wages & Future Earnings
If your injuries caused you to miss work, you can be compensated for:

Lost wages during recovery

Reduced earning capacity if you can’t return to your previous job

Future income loss if your injuries prevent you from working long-term

✅ Maximize Your Settlement: Provide pay stubs, tax returns, and employer statements to prove your lost earnings.

4. Pain and Suffering
“Pain and suffering” covers the physical pain and emotional distress you’ve endured due to the accident. This includes:

Chronic pain from injuries

Emotional trauma (e.g., PTSD, anxiety, depression)

Loss of enjoyment of life (if you can’t participate in hobbies or activities you once loved)

✅ Maximize Your Settlement: Keep a pain journal documenting your daily struggles, mobility limitations, and emotional distress.

5. Property Damage
Your settlement should also include vehicle repairs or replacement costs. The insurance company will assess:

Repair estimates

Fair market value of your car (if totaled)

Cost of a rental vehicle while your car is being repaired

✅ Maximize Your Settlement: Get multiple repair estimates and provide proof of the vehicle’s pre-accident condition.

What Is the Average Car Accident Settlement in Ohio?
Settlement amounts vary, but here’s a general breakdown based on past cases:

Minor Injuries (Soft tissue damage, sprains) → $10,000 – $50,000

Moderate Injuries (Broken bones, concussions) → $50,000 – $250,000

Severe Injuries (Brain injuries, spinal damage, long-term disability) → $250,000 – $1,000,000+

Commercial vehicle accidents and wrongful death cases can result in even higher settlements, often exceeding millions of dollars.

How Insurance Companies Try to Undercut Your Settlement
Insurance companies don’t want to pay you what you deserve—their goal is to protect their profits. They use tactics like:

❌ Blaming you for the accident to reduce your payout.
❌ Offering a quick lowball settlement before you know your full medical costs.
❌ Questioning the severity of your injuries to minimize their liability.
❌ Delaying your claim so you feel pressured to settle for less.

✅ How to Fight Back: Never accept the first offer. Let an experienced personal injury lawyer handle all negotiations.

Do You Need a Lawyer to Get a Fair Settlement?
While it’s possible to settle a car accident claim without a lawyer, studies show that accident victims who hire an attorney receive significantly higher payouts. Here’s why:

✔️ An attorney fights for maximum compensation (not just what the insurance company offers).
✔️ We handle all paperwork and negotiations so you don’t have to.
✔️ We take cases to court if the insurance company refuses to pay fairly.

At SELPH LAW, we’ve recovered millions for Ohio car accident victims—and we don’t charge any upfront fees.

Call SELPH LAW for a Free Case Review – Get the Settlement You Deserve
Don’t settle for less than what you’re owed. Let SELPH LAW fight for your rights and secure the maximum settlement possible.

📞 Call (614)-453-0971 now for a FREE case review. We’ll evaluate your case, explain your options, and help you recover every dollar you deserve.

How Insurance Companies Trick Car Accident Victims in Ohio and How to Fight Back

Posted on by Duncan Selph

After a car accident, you expect the insurance company to help you recover the compensation you deserve. Unfortunately, insurance companies are not on your side—they are for-profit businesses that prioritize their bottom line over your well-being.

At SELPH LAW, we’ve seen countless Ohio car accident victims fall into insurance company traps, resulting in lowball settlements or outright denials.

If you’ve been in an accident, don’t let the insurance company take advantage of you. Call (614)-453-0971 for a FREE case review and let us protect your rights.

7 Sneaky Insurance Company Tricks (and How to Beat Them)

1. Offering a Quick, Low Settlement Before You Know Your Injuries
One of the biggest mistakes accident victims make is accepting the first settlement offer. Insurance companies know you’re under financial pressure, so they offer a lowball settlement hoping you’ll take it before realizing the full extent of your injuries.

✅ How to Fight Back: Never accept an offer without consulting a lawyer. A car accident settlement should cover all medical expenses, lost wages, and pain and suffering. Let SELPH LAW negotiate on your behalf for maximum compensation.

2. Asking for a Recorded Statement (and Using It Against You)
The insurance adjuster may sound friendly and ask you to give a recorded statement about the accident. But beware—this is a trap.

Even a simple statement like “I feel okay” can be twisted to downplay your injuries or assign blame to you.

✅ How to Fight Back: Never give a recorded statement without an attorney present. Insurance companies can use your words against you to reduce your settlement.

3. Delaying Your Claim to Wear You Down
Insurance companies know that the longer they delay your claim, the more desperate you become. They may take weeks (or months) to process paperwork, demand unnecessary documents, or ignore your calls altogether.

✅ How to Fight Back: Don’t wait. Contact a car accident attorney immediately to handle all communication with the insurance company. A lawyer can pressure them to process your claim faster or file a lawsuit if necessary.

4. Blaming You for the Accident (Even When You’re Not at Fault)
A common insurance tactic is to claim that you were partially or fully responsible for the accident. This allows them to reduce your payout or deny your claim altogether.

✅ How to Fight Back: Ohio follows a comparative negligence rule, meaning even if you were partially at fault, you can still recover damages. An attorney can challenge the insurance company’s unfair blame tactics and prove the true cause of the accident.

5. Using Social Media Against You
Insurance companies monitor your social media for anything they can use against your claim. Even an innocent post like “Feeling better today!” could be used as evidence to argue that your injuries aren’t as serious as you claimed.

✅ How to Fight Back: Stay off social media until your case is settled. Anything you post—even pictures or check-ins—can be taken out of context and used against you.

6. Claiming That Your Injuries Were Pre-Existing
If you had any previous injuries, the insurance company might argue that your current pain isn’t from the accident but rather from a pre-existing condition. This tactic is designed to devalue your claim.

✅ How to Fight Back: Your medical records and doctor’s testimony can prove that your injuries were caused or aggravated by the accident. SELPH LAW works with medical experts to build strong evidence against this argument.

7. Saying You Don’t Need a Lawyer (Because They Want to Pay You Less)
Insurance adjusters may tell you that hiring a lawyer will slow down your claim or that you can handle everything on your own. This is a trap.

Studies show that accident victims who hire a personal injury lawyer recover significantly higher settlements than those who go it alone.

✅ How to Fight Back: Hire an experienced car accident attorney to handle negotiations, protect your rights, and ensure you get every dollar you deserve.

How SELPH LAW Fights Insurance Company Tricks
At SELPH LAW, we have helped countless Ohio accident victims recover maximum compensation despite insurance company tactics. Here’s how we fight for you:

✅ We Handle All Insurance Communication – No more dealing with pushy adjusters. We negotiate for the settlement you deserve.

✅ We Gather Strong Evidence – We collect police reports, medical records, and expert testimony to build an airtight case.

✅ We Take Cases to Court if Necessary – If the insurance company won’t pay fairly, we’re prepared to sue and fight for you in court.

✅ We Work on a Contingency Fee Basis – You pay nothing upfront. We only get paid when we win your case.

What You Should Do After a Car Accident in Ohio
If you’ve been in an accident, follow these steps to protect your claim:

1️⃣ Get Medical Treatment Immediately – Delaying treatment hurts both your health and your case.

2️⃣ Document Everything – Take pictures, get witness statements, and file a police report.

3️⃣ Avoid Talking to the Insurance Company – Let your lawyer handle all communications.

4️⃣ Call SELPH LAW for a Free Case Review – Don’t let insurance companies take advantage of you.

Call SELPH LAW Today – Don’t Let Insurance Companies Cheat You!
Insurance companies use tricks to pay you less, but you don’t have to face them alone. SELPH LAW is here to fight for you.

📞 Call (614)-453-0971 now for a FREE case review. We’ll stand up to the insurance company and make sure you get the settlement you deserve.