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Author: Duncan Selph

The Role of Homeowners Insurance in Ohio Dog Bite Cases

Posted on by Duncan Selph

In Ohio, many dog bite cases are covered by homeowner’s insurance policies. In this
blog post, we’ll take a closer look at the role of homeowner’s insurance in Ohio dog bite
cases.

1. Coverage
Most homeowner’s insurance policies provide coverage for dog bite incidents. This
coverage can include medical expenses, lost wages, and other damages resulting from
a dog bite. Some policies may also cover legal expenses if the owner is sued for
damages.

2. Limits
Homeowner’s insurance policies typically have limits on the amount of coverage
provided for dog bite incidents. These limits can vary depending on the policy, but they
are often in the range of $100,000 to $300,000. If the damages in a dog bite case
exceed the policy limits, the owner may be personally responsible for the remaining
amount.

3. Exclusions
Some homeowner’s insurance policies may exclude coverage for certain breeds of dogs
or for dogs that have a history of aggressive behavior. If the policy excludes coverage
for dog bites, the owner may be personally responsible for any damages resulting from
a dog bite.

4. Reporting Requirements
If a dog bite incident occurs, the homeowner may be required to report it to their
insurance company. Failure to report the incident could result in the policy not covering
the damages.

5. Negotiation and Settlement
In many cases, the victim of a dog bite will negotiate a settlement with the homeowner’s
insurance company rather than pursuing a lawsuit. A skilled dog bite lawyer can
negotiate with the insurance company to ensure that the victim receives fair
compensation for their injuries and other damages.

Conclusion
In Ohio, homeowner’s insurance policies often provide coverage for dog bite incidents.
However, there may be limits and exclusions in the policy, and reporting requirements
must be followed. If you’ve been bitten by a dog in Ohio, it’s important to understand the
role of homeowner’s insurance in your case and to work with an experienced dog bite
lawyer who can help negotiate a fair settlement with the insurance company.

What to Do After a Car Accident in Ohio Step By Step

Posted on by Duncan Selph

Car accidents can be stressful and overwhelming experiences, but it’s important to stay
calm and take the appropriate steps to protect yourself and others. In this blog post,
we’ll provide a step-by-step guide to what to do after a car accident in Ohio.

Step 1: Check for Injuries
The first priority after a car accident is to check for injuries. If anyone is injured, call 911
immediately and wait for emergency responders to arrive. If there are no injuries, move
on to the next step.

Step 2: Move to a Safe Location
If the accident is minor and both vehicles are still drivable, move them to a safe location
off the road to prevent further accidents.

Step 3: Call the Police
Even if the accident is minor, it’s important to call the police and have them document
the accident. This will help protect your legal rights and ensure that there is an official
record of the accident.

Step 4: Exchange Information
Exchange information with the other driver(s) involved in the accident, including names,
contact information, and insurance information. You should also write down the make
and model of the other vehicle(s) and the license plate number.

Step 5: Take Pictures
Take pictures of the accident scene and any damages to the vehicles. This will help
document the accident and provide evidence for your insurance claim or potential
lawsuit.

Step 6: Contact Your Insurance Company
Contact your insurance company as soon as possible to report the accident and begin
the claims process. Provide them with all the information you gathered from the other
driver(s) and any pictures you took.

Step 7: Consult with an Experienced Ohio Car Accident Lawyer
If you or anyone else was injured in the accident, it’s important to consult with an
experienced Ohio car accident lawyer. A lawyer can help protect your legal rights and
ensure that you receive the compensation you deserve for your injuries and damages.

Conclusion
By following these steps, you can ensure that you take the appropriate actions after a
car accident in Ohio. Remember to stay calm, exchange information, and contact your
insurance company and a lawyer if necessary. With the right guidance, you can protect
yourself and others and navigate the legal process successfully.

The Role of Expert Witnesses in Ohio Car Accident Cases

Posted on by Duncan Selph

Expert witnesses can play an important role in Ohio car accident cases. These
witnesses can provide testimony and analysis that can help clarify complex issues
related to the accident, including fault, causation, and damages. In this blog post, we’ll
take a closer look at the role of expert witnesses in Ohio car accident cases.

1. Accident Reconstruction Experts
Accident reconstruction experts are often called upon in car accident cases to help
determine how the accident occurred. These experts can analyze evidence such as skid
marks, vehicle damage, and witness statements to recreate the accident and determine
factors such as vehicle speed and trajectory.

2. Medical Experts
Medical experts can provide valuable testimony in car accident cases, particularly in
cases involving serious injuries. These experts can help establish the extent of a
victim’s injuries, as well as the cost of medical treatment and rehabilitation.

3. Economic Experts
Economic experts can help calculate the financial impact of a car accident, including
lost wages, lost earning capacity, and other economic damages. These experts can also
provide testimony regarding the future financial impact of the accident on the victim’s
life.

4. Human Factors Experts
Human factors experts can provide valuable insight into the role that human factors
played in the accident, such as driver distraction, fatigue, or impairment. This can be
particularly important in cases where fault is contested or where multiple parties may be
at fault.

5. Engineering Experts
Engineering experts can provide testimony regarding the design, manufacture, or
maintenance of the vehicles involved in the accident. This can be particularly important
in cases where a vehicle defect or malfunction may have played a role in the accident.

Conclusion
Expert witnesses can play a critical role in Ohio car accident cases, helping to establish
fault, causation, and damages. By working with experienced car accident lawyers who
have access to a network of qualified expert witnesses, victims of car accidents can
ensure that their legal rights are protected and that they receive the compensation they
deserve for their injuries and other losses.

Governor DeWine Signs Bill that Strengthens Distracted Driving Laws in Ohio

Posted on by Duncan Selph

Ohio has recently enacted new laws to crack down on distracted driving. This is a welcome development, as distracted driving has become a major issue on the roads in Ohio and across the country. 

According to the Ohio Department of Public Safety, distracted driving is any activity that diverts a driver’s attention away from the road. This can include texting while driving, eating, applying makeup, or even just chatting with passengers. All of these activities can significantly increase the risk of a car accident, and it is important for drivers to be aware of the dangers of distracted driving and to take steps to avoid it. 

The new laws in Ohio aim to reduce the number of distracted driving incidents by increasing penalties for those who are caught engaging in such behaviors. For example, the law now prohibits drivers from texting while driving, unless they are making an emergency call or using a hands free device. This means that drivers are not allowed to hold their phone in their hand while driving, even if they are using it to make a phone call or listen to music. 

The new laws also provide for increased penalties for those who cause accidents while distracted driving. If a driver causes an accident while distracted, they can now be charged with first degree misdemeanor, which carries a maximum penalty of six months in jail and a $1,000 fine.

It is important for drivers in Ohio to understand the new distracted driving laws and to take steps to avoid engaging in such behavior while behind the wheel. Distracted driving is a serious problem, and the new laws in Ohio are an important step towards reducing the number of accidents and fatalities caused by this dangerous behavior. By following the new laws and keeping our roads safe, we can all do our part to make Ohio a safer place to live and drive.