When you are injured due to the negligence of another, the laws in Ohio that allow you to recover for damages (or prevent you from recovering) are ever changing and at times complex.

You cannot rely on an insurance company to give you legal advice regarding your legal rights to recover damages, or the best way for you to proceed.
Following are just some of the considerations and legal issues that may be present in your claim, and may effect how much money you are ultimately able to recover.
 
Property Loss -  Having your car or other property damaged or totally destroyed ads further aggravation to an already difficult situation.  Often, a property claim can be resolved fairly quickly, while leaving the injury claim open, subject to the applicable statute of limitations (see below). A lawyer can help you with this.
 
Liens -   Certain medical providers, including chiropractors, may try to get you to sign an "assignment" or a medical "lien" before they will start treating you.  Be careful.  By signing one of these documents, you may well be assigning away part of your claim  to the medical provider, meaning that they will have a right to part of your money before you even get it.  Consult an attorney before doing this.
 
Med-Pay -   There may be medical payments coverage or "med-pay" available under certain vehicle insurance policies to pay for your medical bills.  Sometimes it may be advisable to use this coverage, other times it may not. Consult a lawyer first.