Ohio

Pre-Settlement Funding in Ohio

If you have an active personal injury lawsuit in Ohio, pre-settlement funding can provide a non-recourse cash advance against your case's expected value — no credit check, no monthly payments, and repayment only from your settlement if your case wins.

Ohio files personal injury lawsuits at a rate well above the national average. The state uses modified comparative negligence with a 51% bar, generally gives plaintiffs two years to file, and caps non-economic damages in most cases — with an important exception for catastrophic injuries.

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Know the Law

Ohio Personal Injury Law: What Affects Your Case

Ohio's personal injury filing rate runs well above the national average, with significant case volume tied to its dense highway network, manufacturing and industrial base, and major metro areas including Columbus, Cleveland, and Cincinnati.

Fault Rule	Modified comparative negligence with a 51% bar — if you are found 51% or more at fault, you cannot recover. At 50% or less, your damages are reduced by your percentage of fault.
Statute of Limitations	Generally 2 years from the date of injury (Ohio Rev. Code § 2305.10(A)).
Damages Cap	Non-economic damages are capped at the greater of $250,000 or three times economic damages, up to a maximum of $350,000 per plaintiff ($500,000 per occurrence) under Ohio Rev. Code § 2315.18. No cap applies if the injury involves permanent substantial physical deformity, loss of a limb or bodily organ system, or a permanent functional injury preventing independent self-care. Punitive damages are separately capped under § 2315.21.
Liability Rule	Modified joint-and-several liability (Ohio Rev. Code § 2307.22) — for economic damages, a defendant found more than 50% at fault is jointly and severally liable for the full amount; at 50% or less, liability is several only. Non-economic damages are several only regardless of fault share.
Litigation Funding Regulation	No Ohio statute currently requires disclosure or licensing for consumer litigation funding. House Bill 105, which would require funder registration and disclosure of agreements, passed the Ohio House in November 2025 but had not been enacted as of this writing — confirm current status before relying on this.

Eligibility

Who Qualifies for Funding in Ohio

Most active Ohio personal injury cases with attorney representation can be reviewed for funding — car and truck accidents, workplace third-party claims, premises liability, and catastrophic injury cases are all common case types, with significant filing volume in Franklin, Cuyahoga, and Hamilton counties.

Funding review focuses on liability strength and realistic settlement value, and pays close attention to whether a case qualifies for Ohio's catastrophic-injury exception to the non-economic damages cap, since that can materially change expected case value.

Why It Matters

Why the Catastrophic-Injury Exception Matters

Ohio's standard cap on non-economic damages — generally $350,000 per plaintiff — can meaningfully limit recovery in serious injury cases. The exception for permanent substantial physical deformity, loss of a limb or bodily organ, or a permanent functional injury preventing independent self-care removes that cap entirely, which is a major factor in how a catastrophic injury case is valued and, in turn, how much funding it can support.

Ohio's modified joint-and-several rule for economic damages — full liability for any defendant found more than 50% at fault — also matters in multi-defendant cases, since it affects how collectible a judgment actually is.

Q&A

Frequently Asked Questions

Can I get funding if I was partly at fault for my Ohio accident?

Often, yes. Ohio uses modified comparative negligence with a 51% bar: you can recover damages, reduced by your percentage of fault, as long as you are not found 51% or more at fault.

How long do I have to file a personal injury lawsuit in Ohio?

Generally two years from the date of injury under Ohio Rev. Code § 2305.10(A) — confirm your specific deadline with your attorney.

Does Ohio cap damages in my case?

Non-economic damages are generally capped at the greater of $250,000 or three times economic damages, up to $350,000 per plaintiff ($500,000 per occurrence). There is no cap if the injury involves permanent substantial physical deformity, loss of a limb or bodily organ system, or a permanent functional injury that prevents independent self-care. Punitive damages are capped separately.

Is litigation funding regulated in Ohio?

Not yet by statute. Ohio does not currently require disclosure of litigation funding agreements to other parties. A bill (House Bill 105) that would require registration and disclosure passed the Ohio House in November 2025 but had not become law as of this writing — ask any funding company directly about its agreement terms.

How fast can I get funding for an Ohio case?

Most applications are reviewed within 24 hours of receiving your information and attorney confirmation.