Skip to main content

Author: Duncan Selph

The Hidden Reason Your Car Accident Settlement Might Be Lower Than You Deserve

Posted on by Duncan Selph

You could do everything right after a car accident—go to the hospital, follow up with doctors, hire a lawyer—and still walk away with less compensation than your injuries are worth. Why? Because of something most accident victims never think about until it’s too late: insurance policy limits.

At SELPH LAW, we’ve represented clients across Ohio who suffered major injuries only to discover the at-fault driver’s insurance wasn’t enough to cover the true cost of their losses. If you’ve been seriously hurt in an accident, here’s what you need to know about how insurance policy limits can affect your settlement—and what we can do to fight for more.

📞 Call (614)-453-0971 now for a FREE case review.

What Are Insurance Policy Limits?

Every Ohio driver is legally required to carry minimum auto insurance coverage:

$25,000 per person for bodily injury

$50,000 per accident

$25,000 for property damage

That means if you’re hit by a driver with only minimum coverage, $25,000 might be the most you can recover—even if your medical bills, lost wages, and pain are worth hundreds of thousands.

How This Affects Real People Like You

Let’s say you’re in a serious crash. You break your leg, need surgery, miss work for months, and suffer long-term pain. Your total damages could be $100,000 or more.

But if the at-fault driver has only $25,000 in coverage, and no personal assets to go after?

That might be all you get—unless you know how to fight back.

3 Ways to Get More Than the At-Fault Driver’s Policy Limit

✅ 1. Stack Coverage with Your Own UM/UIM Policy

If you carry uninsured/underinsured motorist (UM/UIM) coverage, you can file a claim with your own insurance to make up the difference.

Example: If the at-fault driver has $25k and you have $100k in UIM, we can potentially recover up to $100,000 total for you.

✅ 2. Find Additional Liable Parties

We dig deep to see if other parties share blame:

Was the driver working? Their employer may be liable.

Was a commercial vehicle involved? These often have $1M+ policies.

Was a bar responsible for overserving a drunk driver? That opens the door to a dram shop liability claim.

✅ 3. Sue the At-Fault Driver Personally

If they have assets worth pursuing—like property, investments, or business interests—we can file a lawsuit directly against them.

Why Policy Limits Matter Most in Serious Injury Cases

In minor fender benders, $25,000 might cover your bills. But if you have:

Broken bones

Surgeries or hospital stays

Long-term disability

Traumatic brain injuries (TBI)

Spinal cord damage

Then policy limits become the ceiling on what you can recover—unless your legal team knows how to break through it.

What You Can Do Right Now to Protect Your Case

1️⃣ Get medical care immediately—it documents the seriousness of your injuries
2️⃣ Don’t accept any settlement offer without talking to a lawyer
3️⃣ Call SELPH LAW to investigate the policy limits, your own coverage, and other avenues of compensation

📞 (614)-453-0971 | Free consultations | No fee unless we win

SELPH LAW Fights for Full Compensation—Not Just What Insurance Offers

Insurance companies want to settle for the lowest possible amount. We don’t let that happen. At SELPH LAW, we:

✔️ Investigate every liable party
✔️ Fight insurance denials and delays
✔️ Pursue every available policy
✔️ Maximize your recovery through expert negotiation and litigation

Final Word: Don’t Let Policy Limits Define Your Future

If you’ve been seriously injured in a car accident in Ohio, the last thing you want is to settle for less than you need to recover and move on. Let SELPH LAW fight for every dollar you deserve—no matter what the policy says.

📞 Call (614)-453-0971 now or visit SELPHLAW.COM to schedule your FREE case review.

Understanding Trusts in Ohio: Revocable vs. Irrevocable & How They Protect Your Assets

Posted on by Duncan Selph

When it comes to estate planning in Ohio, creating a trust is one of the most effective tools to protect your assets, avoid probate, and ensure a smooth transfer of wealth to your loved ones. But not all trusts are created equal—and knowing the difference between a revocable and an irrevocable trust can make a major impact on your financial future.

At SELPH LAW, we help Ohio families and individuals choose the right trust structure for their unique goals. Here’s what you need to know.

What Is a Trust?

A trust is a legal entity that holds and manages assets on behalf of a person or group (the beneficiaries). The person creating the trust (the grantor) appoints a trustee to manage those assets according to specific instructions.

✅ Trusts are powerful tools because they allow for:

Avoidance of probate

Privacy (unlike wills, trusts are not public record)

Asset protection

Efficient and controlled distribution of wealth

Revocable vs. Irrevocable Trusts: What’s the Difference?

Both types of trusts are valuable—but they serve different purposes.

🔁 Revocable Living Trust (aka Living Trust)

This is the most common type of trust used in estate planning.

Key Features:

You can change, update, or revoke it at any time while you’re alive.

You maintain control of the assets placed in the trust.

Assets pass to your beneficiaries without going through probate.

Ideal For:

People who want to retain flexibility

Those looking to avoid probate

Families with minor children or blended families

Downsides:

Offers limited protection from creditors

Included in your taxable estate

🔒 Irrevocable Trust

Once created, this type of trust cannot be changed (in most cases). You give up control of the assets, but gain significant legal and financial protection.

Key Features:

Assets are removed from your estate (reducing estate taxes)

Offers strong protection from lawsuits and creditors

Can help with Medicaid planning

Ideal For:

High-net-worth individuals

People wanting to protect assets from nursing home costs or lawsuits

Families seeking to minimize estate taxes

Downsides:

Less flexibility

Assets are no longer directly accessible by the grantor

What Can You Put Into a Trust?

Almost any type of asset can be transferred into a trust, including:

Real estate

Bank accounts and investments

Business interests

Life insurance policies

Personal property and valuables

✅ Pro Tip: Only assets titled in the name of the trust avoid probate. Funding your trust correctly is just as important as setting it up.

Benefits of Using a Trust in Your Estate Plan

Avoids probate (saving time and money)

Keeps your financial matters private

Reduces the risk of legal disputes among heirs

Allows for detailed, controlled distribution (e.g., staggered inheritance)

Protects beneficiaries with special needs

Shields wealth from creditors, lawsuits, or Medicaid claims (in irrevocable trusts)

How SELPH LAW Helps You Create the Right Trust

At SELPH LAW, we walk you through every option and design a custom trust that reflects your goals, assets, and family situation.

We help with:

Creating revocable or irrevocable trusts

Transferring and titling assets into the trust

Coordinating your trust with your will, POAs, and healthcare directives

Updating your estate plan as life changes

📞 Call (614)-453-0971 to schedule a personalized trust consultation today.

Final Thoughts: A Trust Is Protection You Can Put in Writing

Whether you’re focused on probate avoidance, asset protection, or long-term care planning, a properly designed trust gives you control, clarity, and peace of mind.

Let SELPH LAW help you protect what you’ve worked so hard to build.

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!