Detailed Answer
When you’re involved in a collision with a negligent driver in Ohio, identifying the at-fault driver’s insurer is crucial for pursuing compensation. Under Ohio Revised Code section 4509.101, all drivers must carry valid proof of financial responsibility—most commonly an auto insurance policy. Here are proven steps to confirm which company covered the at-fault driver at the time of your crash:
- Secure the official crash report. Per ORC 4509.111, law enforcement documents list the insurer name and policy number as provided by the at-fault driver. Request this report from the agency that handled the accident.
- Contact your own insurer’s subrogation unit. After you file a claim, your insurer assigns a subrogation specialist to recover your deductible and other costs. They will identify and notify the at-fault driver’s carrier on your behalf.
- Use Ohio civil discovery rules. If you file a lawsuit, Ohio Rules of Civil Procedure Rule 26(B)(1) requires parties to disclose insurance information, including the insurer’s name, policy number, and coverage limits.
- Serve a subpoena under Rule 45. If the at-fault driver fails to cooperate, you can subpoena either the driver or the insurance company to produce declarations pages or correspondence showing coverage on the crash date.
- Request public records. Under Ohio’s public-records law (ORC 149.43), you or your attorney can ask the BMV or law enforcement agency for the crash-report summary, which often contains the insurer details reported at the scene.
Disclaimer
This article provides general information and does not constitute legal advice. Always consult a licensed Ohio attorney to discuss the specifics of your case.
Helpful Hints
- Keep copies of both your insurance card and declarations page in your vehicle.
- Order the crash report promptly; agencies may impose fees or deadlines.
- Document all communications with insurers and law enforcement in writing.
- Ask your adjuster how subrogation works and what timeline applies to your claim.
- If you encounter non-compliance, a court-authorized discovery order can compel disclosure.