In Kentucky, the coverage fight can turn faster on employer status and insurance layers. In Ohio, the insurer or employer will often tell you something simpler: "You were just a passenger, so this is only an auto claim," or "Use our doctor, take light duty, and don't file workers' comp."

What's actually true in Ohio: if you were riding for a work reason when the crash happened, you may have a workers' comp claim through the Ohio Bureau of Workers' Compensation (BWC) and a separate claim against the at-fault driver or rideshare company's insurance.

What proves it:

• Proof the trip was work-related: calendar invite, dispatch text, email from your boss, shift records, expense report, or message showing why you were in that Uber, Lyft, taxi, or delivery vehicle.
• Proof the crash happened: police report from Cincinnati Police or the responding agency, app trip receipt, screenshots, photos, witness names, and ER records.
• Proof your injuries started then: same-day or next-day treatment records, ambulance run sheet, urgent care notes, imaging, and work restrictions.
• Proof your employer knew: written notice, text, email, or incident report. In Ohio, get the claim started with the BWC First Report of Injury fast; the filing deadline is generally 1 year from the injury.
• Proof on light duty issues or retaliation: save every schedule change, write-up, pay cut, and text about "come back anyway" or "we don't do comp."

You do not have to use a company-picked doctor forever. In Ohio, you can choose a BWC-certified physician.

If the crash was on I-71, I-75, or a flooded Ohio River route during spring road closures, keep route history and app timestamps. Those details help pin down which vehicle caused it and which insurance policy applies. Ohio's minimum auto limits are only $25,000/$50,000/$25,000, so identifying every available policy early matters.