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How long do I have to sue the other driver in Ohio for my car damage or injuries?

Car insuranceDeadlinesOhioChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Ohio Revised Code · Section 2305.10 «Bodily injury or injury to personal property.» · (A) View original ↗

In short

  1. An Ohio statute sets two years for an action for bodily injury or injuring personal property.
  2. The two years run from when the cause of action accrues, and the statute says when the injury or loss occurs.
  3. An Ohio insurance rule says insurers must give notice at least sixty days before a statute of limitation expires, with an exception.

What this means

This answer uses Ohio sources only. Section 2305.10 of the Ohio Revised Code starts by saying that, except as provided in some divisions, an action for bodily injury or injuring personal property shall be brought within two years after the cause of action accrues. It adds that, except for some listed cases, a cause of action accrues when the injury or loss to person or property occurs. This is about going to court, not about reporting a claim to an insurer. Separately, the Ohio claims rule says notice shall be given to claimants at least sixty days before the expiration of a statute of limitation or contractual limit, where the insurer has not been advised that the claimant is represented by legal counsel. Do not count on that notice; it may not reach you. The sources do not say whether another time limit fits your case.

Your next step

Write down the date of the crash today. The statute gives two years after the cause of action accrues; read the whole section for the exceptions. Do not wait for an insurer notice.

Check it yourself

Open Ohio Revised Code 2305.10 and read division (A). Open the Ohio rule and read section (G)(5).

Where this comes from (2)

  1. [1] Ohio Revised Code · Section 2305.10 «Bodily injury or injury to personal property.» · (A) · checked 2026-11-06

    (A) Except as provided in division (C) or (E) of this section, an action based on a product liability claim and an action for bodily injury or injuring personal property shall be brought within two years after the cause of action accrues. Except as provided in divisions (B)(1), (2), (3), (4), and (5) of this section, a cause of action accrues under this division when the injury or loss to person or property occurs.

  2. [2] Ohio Administrative Code · Rule 3901-1-54 «Unfair property/casualty claims settlement practices.» · section (G)(5) · checked 2026-11-06

    (5) Notice shall be given to claimants at least sixty days before the expiration of any statute of limitation or contractual limit, where the insurer has not been advised that the claimant is represented by legal counsel.

How we found this

We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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