In Ohio, the driver who caused the crash is responsible for injury costs through their liability insurance, but that money often comes later as a settlement. Until then, your own MedPay, health insurance or uninsured motorist coverage may pay. Sparks Family Chiropractic in Lancaster, Ohio can work with your auto insurance and helps you sort out billing.
Still have a question?
Call (740) 689-1175 or send the form on this page and our front desk will help.
Contact usOhio does not have a no-fault system for car crash injuries. That means the driver who caused the crash is the one who owes for the injuries they caused. In practice, their bodily injury liability insurance pays. Liability insurance is the part of a car policy that pays for harm you cause to other people.
Ohio law sets a floor for that coverage. Under Ohio Revised Code 4509.51, a vehicle owner's policy must cover at least:
Here is the part that surprises many people. The other driver's insurer usually does not pay your chiropractor visit by visit. It tends to pay once, as a settlement, after your care is done and your bills and records are gathered. That can take months. So the real question for most people in Lancaster and the towns around it is: who pays while the claim is still open?
Most people have more than one possible source. Look at each of these, in this order.
The easiest place to see what you carry is the declarations page of your car policy. That is the summary sheet your insurer sends with each renewal. It lists each coverage and its limit. If you cannot find it, your agent can email it to you.
The $25,000 minimum can run out fast, especially if more than one person was hurt or the car damage was heavy. And some drivers carry no insurance at all.
That is what uninsured motorist coverage and underinsured motorist coverage are for. According to the Insurance Information Institute's auto insurance glossary, uninsured motorist coverage reimburses you when a crash is caused by a driver who lacks insurance, and underinsured motorist coverage makes up the difference between your losses and the at-fault driver's policy limit.
In Ohio this coverage is optional. Ohio Revised Code 3937.18 says a policy may include it but is not required to. So two neighbors in Lancaster with the same car and the same insurer can have very different protection. Check your declarations page for lines that say UM or UIM.
Fault also matters. Under Ohio Revised Code 2315.33, you can still recover money if you were partly at fault, as long as your share was not greater than the other drivers' combined share. What you recover is cut by your share of the fault. Questions about fault, settlements or lawsuits belong with your insurer or an Ohio attorney. This article is general information, not legal advice.
Pain from a crash does not always show up right away. Some people feel fine for a day or two and then get stiff or sore. If you wait weeks to get checked, it can be harder to show that the pain came from the crash.
Ohio also has a deadline. Ohio Revised Code 2305.10 says a lawsuit for bodily injury must be brought within two years after the injury happens. It is one more reason not to let a claim sit.
Keep these things together in one folder:
Bring the first three to your first visit at any office you go to. They help the front desk bill the right insurer from day one.
Sparks Family Chiropractic is a family chiropractic office at 365 East Main Street in Lancaster, run by Dr. Robert Sparks, D.C. and Dr. Laura Sparks, D.C. Chiropractors are not medical doctors. If you have severe pain, numbness, a head injury, trouble breathing or chest pain after a crash, call 911 or go to the emergency room first. You can still come in afterward.
Here is how a first visit after a crash works. Our car accident injury care page has more detail.
We can work with your auto insurance if you have an accident, and our front desk will help you sort out billing. We are also in network with virtually every insurance company, and our front desk does the paperwork. If you do not have insurance, ask about payment plans. Our prices and insurance page explains how costs work.
Patients drive in from across Fairfield, Pickaway, Hocking, Perry and Franklin counties, from towns like Canal Winchester, Circleville, Logan, Baltimore and Bremen. See the full list on our areas we serve page.
Call or text (740) 689-1175, Monday to Thursday, and tell our front desk you were in a car accident. You can also send your name and number through the form on our contact page, and we will call you back during office hours.
No. Ohio's required minimum is liability coverage of $25,000 per person, $50,000 per accident for injuries and $25,000 for property damage. MedPay is something you choose to add.
That depends on your insurer and its rules. Ask your agent before you file if it worries you.
You do not need a referral to come to Sparks Family Chiropractic. Some insurance plans ask for one, so call and the front desk will check.
Call (740) 689-1175. New patients are seen as soon as possible, often the same day or the next. Plan for about 45 minutes for the first visit.
Send us your name and number and our front desk will call you back during office hours. Please do not include health details in the form. We will go over those with you in person.
We respect your time. Pick the method that works best for your schedule.
Option 1: Phone
Call (740) 689-1175
Option 2: Website Form
Fill out the form on this page
Option 3: Chat Widget
Use the chat in the bottom right corner (sends Dr. Robert a message directly)
What to Expect
Our front desk is here Monday to Thursday.
