Ohio is a comparative negligence state. This means that even if you are partly responsible for the accident, you can still recover financially.(J) "Tort action" means a civil action for damages for injury, death, or loss to person or property. No, Ohio is not a nofault state when it comes to car insurance. Ohio follows the Tort System, in other words Ohio is an at-fault state. In Ohio, a claimant has two years from the date of a motor vehicle accident to file a lawsuit alleging negligence. Ohio uses a modified contributory fault law for many accidents, meaning you can be partially at fault for an accident but still receive compensation. Because Ohio has a modified comparative fault system, a party can only receive compensation for damages if they are less than 49 percent liable. In Indiana, putting up gates and notrespassing signs can protect a property owner from any liability. Tort claims for product liability are governed by.