Hurt in a Dayton-Area Car Accident? You Don't Have to Face the Insurance Company Alone

Every day, serious crashes happen on the roads Dayton drivers use most — I-75 and I-70 and their busy interchange north of the city, I-675, U.S. 35, and the surface streets of Centerville, Kettering, and downtown Dayton. In an instant, a distracted, speeding, or impaired driver can leave you with painful injuries, mounting medical bills, a wrecked car, and no paycheck while you recover.

The other driver's insurance company will not make this right on its own. Its adjusters are trained to settle claims quickly and cheaply — often before you even know how serious your injuries are. For more than 30 years, Terry W. Posey has represented injured people throughout Dayton and Montgomery County, dealing with the insurance companies so his clients can focus on healing.

Why Fault Matters: Ohio Is an At-Fault State

Ohio is a "fault" state. The driver who caused your crash — through distraction, speeding, running a red light, drunk driving, or any other negligence — is legally responsible for the harm they caused. That usually means pursuing the at-fault driver's liability insurance for your damages.

Ohio also follows a modified comparative negligence rule: you can recover compensation as long as you were not more than 50% at fault, but your recovery is reduced by your share of the blame. Insurance companies know this and routinely try to shift blame onto the injured person. We push back with evidence — police reports, witness statements, photos, and accident reconstruction when needed.

The Deadline: Two Years in Most Cases

Under Ohio law, most car accident injury claims must be filed within two years of the crash. Wait too long and you lose your right to compensation entirely — no matter how strong your case was. Evidence also disappears quickly: skid marks fade, vehicles are repaired or scrapped, and witnesses' memories fade. The sooner we start, the stronger your case.

What Your Claim May Be Worth

Compensation in an Ohio car accident case can include:

• Medical expenses — past and future, including surgery, therapy, and medication
• Lost wages and reduced future earning capacity
• Pain and suffering
• Emotional distress
• Permanent disability or disfigurement
• Property damage to your vehicle

Beware of quick settlement offers. Once you sign a release, you cannot go back for more — even if your injuries turn out to be far worse than you thought.

Crashes We Handle Throughout Montgomery County

• Rear-end collisions and intersection crashes
• Distracted and texting-driver accidents
• Drunk and impaired driving crashes
• Hit-and-run accidents
• Uninsured and underinsured motorist (UM/UIM) claims
• Multi-vehicle and highway pileups
• Pedestrian and bicycle collisions

Ohio only requires drivers to carry $25,000 per person in liability coverage — often far less than the cost of a serious injury. We look at every available source of recovery, including your own uninsured/underinsured motorist coverage, to maximize what you actually receive.

A Local Lawyer Who Knows Dayton's Courts

If the insurance company won't pay what your case is worth, we file suit — most Dayton-area injury cases are heard in the Montgomery County Court of Common Pleas in downtown Dayton. Terry Posey has spent three decades practicing in the local courts. That local experience matters when your case is on the line, and insurance companies know which lawyers are willing and able to go to trial.

Related pages: Truck Accidents · Motorcycle Accidents · Wrongful Death · All Personal Injury Services

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