FAQ
H Lee Thompson has over 30 years legal experience he is ready to put to work for you.

If your legal problem is not covered in this website or you are not located in Ohio, he still encourages you to contact him with your legal question or concern. He works with a network of professional attorneys that may be able to answer your legal questions. He can be reached by filling out the this form, or by calling TOLL FREE 1-800-461-9013.
Here are answers to frequently asked legal questions:
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Traffic & Auto
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- Understanding the Risks of Drinking and Driving
- Loaning Your Car to Others
- Traffic Court and What to Expect
- Protection of Ohio Vehicle Purchasers under the Lemon Law
- Law Change for the Average (minor) “Fender-Bender”
- Auto Insurance Rights and Responsibilities
- Auto Insurance Policy
Q: My girlfriend and I just shared a bottle of wine at dinner. Should we drive home or call a cab?
A: Please do not get behind the wheel if you think your ability to drive is impaired, no matter how much or how little you have consumed. While your blood alcohol content (BAC) may not be over the legal limit, any amount of alcohol associated with driving is risky.Q: How much alcohol can I consume before being at risk for exceeding the legal limit?
A: If you are at least 21 years old, and your BAC is over .08, meaning you have above a concentration of alcohol in your breath or blood at this level, you have exceeded the legal limit and are considered to be operating a vehicle impaired (OVI). Driving over the legal limit is commonly referred to as DUI, driving under the influence, or DWI, driving while impaired, but the state of Ohio has not used these acronyms since 1982. It was in 1982 that they adopted the OVI and OMVI, operating a motor vehicle impaired.Q: So I only have to be worried if my BAC over .08?
A: No. There are also legal limits to the amounts of alcohol allowed in a person’s blood serum, plasma, and urine. While many states have done away with urine tests for alcohol concentration because of issues with handling and testing, Ohio still uses the test. If your urine tests at a level of .11 or greater, you are over the legal limit. If blood serum is taken, you are considered over the legal limit if have .096 or greater concentration. If this test is taken, it must be conducted according to Ohio Department of Health rules to be admissible in court.Q: If my girlfriend and I have carefully assessed our situation and decide we are capable of driving home, does it matter who drives?
A: If you were correct in your assessment, then it should not matter, because both of you would be capable of driving. However, it is important to note that when controlling for things such as amount of alcohol consumed, duration of consumption, and similar food consumption, women’s BAC will generally be higher than men’s. This is because a woman’s body generally contains less water and more fat than a man’s, which allows more alcohol to be absorbed in woman’s body. It is also important to mention that weight can have a huge impact on BAC. The smaller someone is, the greater the chance that their BAC will be higher.Q: Does the law provide different limits to BAC for men and women?
A: While claims have been made that the limit of .08 discriminates against women for the above reasons, the science behind breath testing uses the “law of averages” and treats men and women alike.Q: What happens if I test over the legal limit?
A: or a first time offense the punishment could potentially involve all or some of the following:· 1 · Immediate license suspension by the arresting officer, which can be for up to one year if you refuse to take a test.
· 2 · Jail for a minimum of 3 days
· 3 · A 3 day driver intervention program.
· 4 · A fine ranging anywhere from $200-$1000.
· 5 · A court imposed license suspension ranging from 6 months up to 3 years.Subsequent offenses only enhance the severity of the punishment. If you test well above the legal limit, and have what are considered “high tier” test results which constitute a .17 BAC for breath, a .204 for blood serum or plasma, and .238 for urine, the minimum jail time is doubled.
Q: Do I have to submit to one of the above mentioned tests?
A: Under Ohio law, once arrested for OVI, it is a criminal offense to refuse to submit to testing. If not arrested, refusal of testing can still result in a conviction in court based on evidence presented against you of poor driving performance, alcohol odor, slurred speech, red and glassy eyes, and staggering and poor performance on field sobriety tests.Q: I am under 21, are the legal limits different?
A: Yes! The legal limits for anyone under 21 are much lower. For breath or blood, the limit is .02. It is .03 for blood serum or plasma, and .028 for urine. Even the slightest amount of consumption can place you over the limit if you are under 21.Q: Can I lose my car if someone borrows it and violates a traffic law?
A: Until recently, yes in fact you could lose your vehicle if you loaned it to someone who committed certain serious traffic laws. Recent legislation though has made it less likely, so long as you can prove you were an innocent owner.Q: What is considered a “serious” traffic offense?
A: A serious offense which could result in immobilization and seizure of a vehicle include those persons found guilty of driving while intoxicated, without insurance, without a driver’s license, or with a suspended license.Q: Can my car be taken if I wasn’t involved in the “serious” traffic offense?
A: The law permits the state to seize a vehicle involved in a “serious” traffic only when it is owned by the offender. If your vehicle was seized because of the actions of another individual, the state is required to pay the costs of removal and storage. This was done because of the time and cost necessary to prove innocent ownership.Q: How can I prove I was an innocent owner?
A: To prove that you were an innocent owner, you must prove that you did not reasonably know that the person borrowing the car was intoxicated, didn’t have insurance, had a suspended license, or did not have a license at all when allowing them to borrow the car. If you are not deemed an innocent owner, you can be convicted of a wrongful entrustment.Q: What does a wrongful entrust conviction entail?
A: A wrongful entrustment conviction can lead to the seizure of your vehicle. A second conviction could result in the loss of your vehicle ownership.Q: I was recently given a traffic citation and given a court date. What will happen when I show up?
A: Your initial appearance in court is called an arraignment. Here the judge will ask you if you have received a copy of your ticket and understand the charges against you. Along with the notice of charges, he will explain the potential penalties for each offense and ask if you wish to enter a plea at this time.Q: Can I have an attorney?
A: You can have an attorney represent you at any or all stages of a case. If you cannot afford an attorney and the offense involves potential jail time, you can ask the court to appoint an attorney for you. Likewise, if the case does not have the potential for jail time and the court reviews your financial information and deems you indigent, meaning that you are unable to afford an attorney, one will be appointed for you.Q: How can I plead?
A: When asked to enter a plea, you must plead either guilty, not guilty, or no contest.Q: What does a guilty plea mean?
A: A guilty plea means that you are admitting to the charges brought against you and the judge will find you guilt and sentence you.Q: What does a plea of no contest mean?
A: A plea of no contest means that you are stating that you do not dispute the facts set forth in the traffic citation. At this time, you will be allowed to offer an explanation of the incident before the judge decides punishment. More often than not, the judge will probably find you guilty. Note that pleading no contest can be used against you in a subsequent civil case, because the burden of proof in civil cases is different than it is in criminal cases.Q: What does a not guilty plea mean?
A: A not guilty plea means that you are disputing the charges and your case will be scheduled for trial. The law states that for criminal offenses, the trial will generally start anywhere from 30 to 180 days after your arraignment. You can however waive your “right to a speedy trial” to allow for a more convenient time for you or the court. Often times too, the judge may schedule a pre-trial.Q: What happens at a pre-trial?
A: A pre-trial is an informal conference between you, your attorney if you are being represented, and the prosecutor. Here there is a discussion about potential plea negotiations in hopes that your case can be resolved without trial. Topics to be discussed include explanations for the incident and recommendations for punishment. If an agreement cannot be reached, the judge will then schedule motion hearings and a trial date.Q: What is a motion hearing?
A: In some cases, issues of law need to be decided before the trial. These are not issues of fact in the case merely issues relating to the way in which facts can and cannot be presented.Q: What happens at trial?
A: At trial, the prosecutor will present his or her case first. They must prove that you are guilty beyond a reasonable doubt, which is the burden of proof in criminal cases. Witness may be called to testify against you, and you or your attorney, if you are being represented, will be allowed to question subsequent to the prosecution’s questions. When the prosecution has completed the presentation of their case, you and/or your attorney can call your own witnesses and you yourself can testify on your behalf. When you have presented your case, the judge will weigh the evidence presented and find you guilty or not guilty. If you are found guilty, the judge will then sentence you.Q: Can I have a trial by jury?
A: It depends on the severity of the case. For minor misdemeanor offenses, you are not entitled to a jury trial. Any offense carrying the potential for jail time can be tried by a jury so long as you ask in a timely matter, usually no later than 10 days before the trial date.Q: What is the Lemon Law and what does it do?
A: The Lemon Law is a law meant to protect vehicle purchasers in cases in which there has been a defect in the vehicle impairing its use, value, or safety. This law requires that manufacturers replace or buy back an owned or leased vehicle that cannot or has not been properly repaired in a timely matter.Q: Which types of vehicles are covered by the Lemon Law?
A: The following types of vehicles will be covered under the Lemon Law:· 1 · Passenger cars
· 2 · Motorcycles
· 3 · Motor Homes (Only the engine and chassis; interior items not covered)
· 4 · Light trucks (Those designed to carry no more than one ton and not used in the course of a business for profit)Q: Which types of vehicles are not covered?
A: Generally, used vehicles over one year old with greater than 18,000 miles are not covered. However, the passage of the Federal Magnuson Moss Act will cover any used vehicles regardless of the age if the dealer issues a warranty with a purchase. Please note that any used car subject to the Lemon Law must be reported within the first year of its purchase.Q: How would I know if I have a Lemon?
A: All new motor vehicles have a warranty from the manufacturer which states that they will pay for parts and labor for anything specifically listed in the warranty. If this situation exists, take your vehicle back to the dealer so that the problem can be correctly diagnosed and repaired. If the dealer cannot fix the problem within a reasonable number of attempts, it is likely that you have a lemon.Q: What constitutes a reasonable number of attempts?
A: A reasonable number of attempts exist when one or more of the following occurs:· 1 · The same problem has been subject to repair three or more times and still exists or reoccurs.
· 2 · The vehicle has been out of service for a total of 30 or more calendar days for repairs.
· 3 · Eight or more attempts have been made to repair a substantial problem covered by the warranty but with no success.
· 4 · There has been at least one repair attempt for a safety-related problem, and the problem either continues to exist or reoccurs.Q: I have a lemon. Now what?
A: Continue to work with your dealer to have the problem fix and be in contact with the manufacturer’s representative about the possibility of getting a new vehicle or your money back. Beware of potential attempts to force you to pay the increased sticker price on a new vehicle. Under the lemon law, you are not required to pay this, but swindling car salesmen exist. If there is any doubt though, do not hesitate to contact a lawyer that specifically practices in this area of the law.Q: I know that for the ordinary traffic citation I cannot be sentenced to jail time. What is the maximum fine, though?
A: Most traffic offenses that result in a minor accident (e.g. a failure to maintain assured clearance, a failure to yield the right-of-way, going through a red light, or failure to stop at a stop sign) are known as minor misdemeanors. Before January 1, 2004, a person could be fined up to $100 and charged court costs for a minor misdemeanor. Jail sentences were not authorized by law and neither were other special terms of probation. Since then, the maximum fine has been increased to $150 and you may still be required to pay court costs.Q: Is it true that I still cannot receive a jail sentence for a minor misdemeanor?
A: Yes, but there have been some important changes in the law. Jail sentences still cannot be imposed, but other sanctions can now be imposed.Q: Aside from paying a fine and court costs, what other sanctions can be imposed?
A: As of January 1, 2004, Ohio law allows courts to impose, in addition to fines and court costs, restitution (reparation for damages or injuries incurred) and reimbursements to the victim that you are required to pay. Also, in place of all or part of a fine for a minor misdemeanor, a court may impose up to 30 hours of community service.Q: Assuming I plead no contest to a citation where an accident is involved, could I be held responsible if the court orders restitution for the victim?
A: Ohio law now uses the broad definition of the term “economic loss” that was used in the 1996 changes made to felony sentencing law. According to this definition, a court may order restitution based upon the victim’s “economic loss,” which includes loss of income, medical costs, funeral expenses, insurance deductible amounts, etc.Q: Does a court have to order restitution, and if so, how will the court decide what is the appropriate amount of restitution?
A: A court does not have to order restitution and many courts have declined to do so. If a court does order restitution, however, it may base its determination of the appropriate amount on a recommendation received from the victim, the defendant, or a pre-sentence investigation. The types of evidence that can be used to support these recommendations can include estimates, receipts, or “other information.”Q: What if I do not or cannot pay the amount of restitution ordered by the court?
A: As of January 1, 2004, the amount of court-ordered restitution can become a civil judgment (a separate civil court decision) in favor of the victim. This civil judgment can be enforced through a normal collection procedure such as a wage garnishment (in which money is taken from your wages to pay the restitution) or bank account attachment. So, you may find yourself in a situation where, with a plea of no contest and without a trial, you have a civil judgment taken against you. This may happen even without any notice to your insurance company.Q: What can I do to protect myself?
A: Many insurance companies will not defend a case and definitely won’t pay a civil judgment if they are not notified of the proceedings ahead of time and given a chance to defend the case. To protect yourself, you should call your insurance company as soon as you receive a traffic citation arising from any accident where restitution might be ordered. You should also notify your insurance company of the date of the hearing on your traffic citation and ask your insurance company for advice about legal representation. While many courts may choose to allow the issue of the proper amount of damages to be determined in a civil case rather than as part of the sentencing in a traffic case, it is important to remember that a “fender-bender” can involve thousands of dollars of damages these days. If your insurance company does not want to send a lawyer to court with you, depending upon the amount of damages at issue, it might be worth it to hire your own lawyer.Q: Are drivers in Ohio required to purchase insurance?
A: The state of Ohio does not require drivers to buy car insurance, but they do require that every driver have a guaranteed way to pay for injuries or damages resulting from personal negligence or negligence of anyone driving a vehicle you own. Under Ohio’s Financial Responsibility Law, you must be able to show “proof of financial responsibility,” which results in many drivers buying liability insurance.Q: What does liability insurance cover when I am at fault?
A: When personally at fault, liability insurance pays on your behalf for the other person’s injuries or death and any damage to their property. It will also pay for your legal defense should you be sued. This generally will cover any licensed driver you allow to drive your car, but be sure to read your policy as there might be individuals excluded.Q: How much liability coverage do I need?
A: Ohio law requires that drivers carry at least the following:· 1 · Bodily injury coverage of $12,500/person and $25,000/accident; and
· 2 · Property Damage Coverage of $7,500/accident.Please note, these are bare minimums, and a severe crash will require a lot more insurance.
Q: What is Bodily Injury Liability?
A: Bodily injury liability pays for injury or death of others when the driver of your car is at fault. There can be two limits, the first of which is the amount paid for injuries for any one person’s injuries, and secondly, the total amount for all persons injured in the accident.Q: What is Property Damage Liability?
A: Property damage liability coverage pays for damage your car causes to other people’s property when you or another authorized driver causes damage while driving your vehicle.Q: What is Medical Payments Coverage?
A: Medical payments coverage pays medical bills for you or your passengers after a motor vehicle accident. It also covers medical expenses if you or family members are pedestrians and are hit by a car.Q: What is Physical Damages Coverage?
A: There are two types of physical damages, which can be sold together or separately by your insurance agent or company. The first is collision coverage, which pays for repairs to your car when it hits another vehicle, crashes into something or turns over. It pays regardless of who is at fault in the accident. The second is comprehensive coverage, which pays for losses that result from incidents that are not collisions, such as theft, fire, vandalism, hail, falling objects or hitting animals. These are not required by law and thus are strictly optional dependent upon your financial situation.Q: What is Forced Placement?
A: If you finance your car, the lender may require that you get physical damage protection for the vehicle. If you do not take this, they are allowed to buy the insurance and add it to the cost of your loan. It will protect them, and is very expensive to you, so it is wise to buy your own policy.Q: Why is my Insurance I.D. card important?
A: After 1995, Ohio lawmakers put some teeth into Ohio’s Financial Responsibility Law, requiring that your insurance company give you an insurance ID card showing when your liability coverage starts and ends. You are required by law to show this to any police officer who stops you for a traffic violation or safety check. This card should also be taken to court with you following a citation or accident.Q: What happens if I misplace my Insurance ID card?
A: If you are unable to show the police officer your ID card, or some other proof of financial responsibility at the time of citation, it will be noted on the ticket. You will be required to bring this with you at the time of your court date.Q: What happens if I drive without Financial Responsibility?
A: Being caught driving without financial responsibility can result in severe penalties including:· 1 · Suspension of driver’s license for a minimum of 90 days and up to two years
· 2 · Impoundment of your license plates and/or your automobile
· 3 · Court costs
· 4 · No driving privileges during suspension.Q: Do I need financial protection against Uninsured and Under-Insured Motorists?
A: Generally, this is a very good idea, because despite Ohio’s Financial Responsibility Law, there remain thousands of people who drive without coverage. Some estimates claim as many as 20% of drivers break the Financial Responsibility Law, and an even greater percentage do not have enough insurance to cover serious injuries. As a result, your insurance agent or company may offer you protection from these drivers with coverage that:· 1 · Takes the place of the liability coverage the other driver did not have; and
· 2 · Pays for injuries to you and your passengers when the other driver did not have enough insurance to pay for your injuriesEven with a good health insurance policy, it is wise to take Uninsured Motorist Insurance, because in addition to medical bills, it can include expenses related to your injuries including pain and suffering and lost wages.
Q: If I have an accident with an uninsured motorist, what should I do?
A: It is very important to file an accident report in a timely matter with the police after the accident and to immediately contact your insurance company.Q: After an accident, how will I know how much I am going to be compensated?
A: In Ohio, there exists what is called a comparative negligence law, which says that responsibility for an accident can be shared, which subsequently can have an outcome on how much you collect. If an accident occurred because you did not use the amount of care that should be expected of a reasonable and prudent person, you can be considered negligent even if you were not cited, thus reducing the amount you can receive in damages.Q: What is a Declarations Page?
A: When you get your automobile insurance policy, the top page is normally the Declarations Page or “Dec Page,” and shows what the policy covers and the premium you pay for those coverages. If you do not receive a new policy each year, you may only receive a new Dec Page.Q: What are my policy responsibilities?
A: You have the obligation to fill out the insurance application with complete and accurate information, remembering to list all licensed drivers. Upon completion, you should receive a binder from your agent which can be used as proof of coverage until receiving your insurance ID card.Q: What are my premium rights and responsibilities?
A: You have the right to a fair estimate of your premium, even though the actual premium may be more or less than the quoted estimate. If the company charges a premium though which has not been approved by the Ohio Department on Insurance and you paid too much for it, you are entitled to a refund. You also have an obligation to keep track of your policy renewal date and to pay premiums by their due date, because failure to do so can result in the cancellation of your policy.Q: What are my policy rights?
A: You have the right to receive a copy of your policy, and you may request a copy of any form you or the agent signs. Likewise, you cannot be discriminated against because of your race, national origin, beliefs or a physical handicap that does not impair your driving ability.Q: What are my renewal and cancellation rights regarding my policy?
A: If your policy is cancelled or not renewed, the insurance company must issue you a written notice stating the reasons for their actions.Q: What are my claim rights under my policy?
A: Unless limited by your policy, you have the right to choose which shop will repair your car. You also have the right to a prompt and good faith settlement based on your policy terms. With that, you are allowed to negotiate with the insurance company’s adjuster, and to reject any settlement offer you find unacceptable. Should it be necessary, per your policy, you can use an arbitration procedure to ensure you receive a fair settlement.Q: What are my claims responsibilities?
A: Under no circumstance should you file a phony, padded or fraudulent claim asking your insurance company to pay for damages that did not occur, as the penalty for such claims could result in jail time. You should though promptly report any accidents or losses and provide your agent with all information pertaining to the incident.Q: I think the insurance company has deceived me, what can I do?
A: You have the right to call or contact the Ohio Department of Insurance at 1-800-686-1526 and file a consumer complaint, and to have your complaint investigated by an investigator from the Ohio Department of Insurance. There are rules and regulations that apply to automobile insurance carriers in Ohio, and in this instance it is wise to consult with and retain an attorney to protect your legal rights and duties.
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Disclaimer: This general information about specific topics of law is intended to offer broad and general information. The reader should and is urged to seek advice from an attorney before the application of this information to a specific legal question, problem or claim.

