No, Ohio does not use a no-fault insurance system. Instead, it operates under a traditional fault-based system, meaning that the driver who is determined to be at fault in an accident is responsible for covering the damages. This system requires drivers to carry liability insurance to cover potential costs for bodily injury and property damage to others. If you’re involved in an accident in Ohio, it’s crucial to determine fault to ensure the appropriate party’s insurance covers the damages. Understanding Ohio’s insurance requirements can help you make informed decisions about your coverage and protect yourself financially.