After a car accident here in Columbus, OH, you likely have medical bills and other expenses piling up, and it's natural to wonder how much you might actually be able to get from a car accident personal injury claim. The answer depends on your losses, degree of fault, the insurance available to pay them, and the skill of your attorney. Car Accident Personal Injury Compensation Factors in Columbus, OH What you can collect is the proven value of what you've lost, reduced by your share of blame, and limited by the insurance policy limit. Let's consider these factors. What You've Lost You can recover economic losses and noneconomic losses. Economic Losses Economic loss covers money you spent or will spend because of the accident, like your hospital bills, household help you've had to hire, and wages or benefits you lost while you could not work. There's no ceiling on that category: if you've got the proof, you should be paid for all of it. Property damage also counts here. Noneconomic Losses Noneconomic losses are to recompense you for the pain and mental anguish of your accident, and state law caps those awards at the greater of $250,000 or three times your economic loss, with a hard ceiling of $350,000 for each plaintiff and $500,000 per incident. The cap doesn't apply if your injuries meet the statute's definition of a catastrophic injury, however, which would include: Permanent and substantial physical deformity Loss of use of a limb Loss of a bodily organ system Permanent functional injury that keeps you from caring for yourself and performing life-sustaining tasks Your Fault Ohio uses modified comparative negligence, which means you can bring a claim if your share of blame for the accident isn't greater than the combined fault of those from whom you're seeking payment. Your award is then cut by your percentage of fault. If a jury finds you 20% responsible for a $100,000 loss, for example, you would receive $80,000. Insurance Policy Limit This is often a bigger factor than any caps the state puts on these claims. Ohio requires drivers to carry bodily-injury liability of $25,000 per person and $50,000 per crash, plus $25,000 for property damage. A week spent in intensive care can consume the per-person limit easily. When the at-fault driver's policy is exhausted, you would look next to your own uninsured or underinsured motorist coverage if you bought it. In some cases, you may be able to bring a claim against the other driver, but it will only be worth doing if they have something you can take. Ohio protects a person's primary residence and its equity (unless the driver didn't have insurance at all), one car, and some of the driver's personal cash, household goods, jewelry, tools and professional books, and some other items. Your lawyer can advise you when it's worth bringing a suit against the driver directly. If you've been in an accident, call us at Barkan Meizlish DeRose Cox, LLP for a free consultation and advice about what your claim can potentially recover.