OHIO AUTO INSURANCE GUIDE
Ohio MedPay, Medical Expenses, Subrogation & Reimbursement
Ohio does not mandate PIP/no-fault coverage. Optional MedPay, health-plan reimbursement, subrogation, provider claims and settlement allocation can materially affect the net recovery after a crash.
- Identify every available MedPay limit and qualifying insured.
- Track payments by auto insurers, health insurers and medical providers.
- Preserve reimbursement, subrogation and lien notices.
- Evaluate Ohio’s proportional reduction rule for specified subrogation claims under R.C. 2323.44.
Publication review note — September 17, 2026. Verify current R.C. 2323.44, MedPay, reimbursement, lien and subrogation law before publication.
VictimsGuide 