SO YOU CRASHED- DO YOU NEED A LAWYER? (2024)

Steve Protects The Rights of Riders.

If you have been injured in a Bicycle, Motorcycle or Car Crash you may be worried paying for your medical bills, you may be incurring lost wages, you may be experiencing pain and suffering like you never could have imagined. You may have an insurance adjustor calling you – being NICE – telling you “You don’t NEED a lawyer- I can send you a check…”
Remember, the insurance company you are dealing with wants to pay you NOTHING AT ALL, if possible, or the least amount of money it can get away with! If you don’t protect your rights, you may not be able to make a claim, or you may get “BAMBOOZLED” [as the Ghost in the current Insurance Company TV ad says] .

Insurance companies are funny. Today they have a cute little Gecko, or funny Flo, or Limu the Emu, or Mayhem to sell you insurance products. They would like you to believe they are easy going, fun entities just looking to give you a good deal… the reality is quite different. They are absolutely savage when it comes to trying to hoodwink you in accepting LESS for your claim than it may be worth.

Insurers have teams of highly skilled attorneys and adjusters whose goal is to protect the company’s money and pay you as little as they can.

To make sure you get the BEST deal you can when dealing with an insurer you need an experienced OHIO Trial Lawyer to protect your rights and fight for you.

Call me at 513-484-BIKE/2453 –> or email me at BikeLawyer@me.com or send me a letter or a text… send over your Owl or carrier pigeon… just REACH OUT ANYTIME for a FREE CONSULTATION.

STEVE MAGAS is an avid bicyclist & motorcyclist who rides year round. He is also an Ohio Trial Lawyer with more than FORTY years of experience handling all types of wrongful death and personal injury claims. Steve “protects the rights of riders…” throughout Ohio.

An Experienced OHIO Lawyer can Reduce Your Stress Level

Being injured in a CRASH can be an ordeal. You are hurt – possibly undergoing surgery and rehabilitation. You can’t do the things you used to do. You life gets turned upside down. The bills for your medical care are mounting – but you don’t think YOU should have to pay them since the crash was not your fault. The insurance adjustor can be aggressive and obnoxious – minimizing your injuries and questioning your integrity. You may be off work. You may not have health insurance. You may be angry, upset and stressed out. You don’t understand the claims process. You don’t understand your OWN insurance coverage.

You need HELP!!

The first thing I do when I take your case is notify the insurance adjustor that he/she is prohibited from calling you any more. ALL communication comes to my office. This allows you to focus on recovering from your injuries. My job is to deal with the paperwork, investigate the crash, interview all witnesses, get the police report and police photographs, take more video or photographs, gather up your medical bills, medical records, proof of property damage and other documents, completely and fully DOCUMENT ALL ASPECTS OF OUR CLAIM, analyze all the data and then attempt to negotiate a FAIR recovery with the insurer. Your job is simply to get better!

Q: Do I Need a Lawyer At All?

The short answer is, “It Depends, but…”

If your injuries are anything more than truly “minor” or the accident you were involved in was in any contested, then you should consult a lawyer. In every case involving fractures, disc injuries, nerve damage, a concussion or any sort of head injury, a BITE or wound, wage loss, treatment by your primary care doctor or specialists, ongoing medical care and medical bills, weeks or months of treatment, physical therapy, MRI’s or other tests, then you should DEFINITELY work with a lawyer.

Insurance companies will challenge your claim on every level. In my 40+ years of experience handling hundreds of personal injury and accident claims, I have found that insurance companies tend to blame the bicyclist or motorcyclist for the crash, in whole or in part, in virtually every case. The insurance investigator will argue that you were not riding safely or properly. They will argue that you could have avoided the crash, that you weren’t paying attention, that you failed to “signal,” or committed some other violation of the traffic law that renders your case worthless.

You need someone on YOUR side who can properly analyze the liability issues.

Insurance companies will also challenge your injuries and damages. Insurance adjustors, claims representatives and investigators are highly trained specialists with one job –Insurers want to to minimize the amount of money it takes to resolve your claim. They have special training in medicine, law and negotiating tactics. The insurance adjustor will often argue that your injuries are not supported by the medical records, that you are “malingering,” that your injuries should have resolved quicker or that some prior injury or condition you didn’t even know about is the “real” cause of your problems.

Remember, the insurance company only has one goal – to minimize its payment of money to you.

You need someone on YOUR side, aggressively fighting to protect YOUR rights. As your attorney my ONLY obligation is obtain the best result possible for YOU. Unless you have knowledge and experience in law, medicine, physics and the handling and negotiation of personal injury claims, you probably do not have the skill set necessary to maximize your recovery.

Q: What does a Lawyer do that I can’t do myself?

You could probably do much of what a lawyer does – if you had the time, education, training, skills, patience, experience and knowledge. You probably do NOT have the training needed to recognize and analyze the complex legal and medical issues that arise in motorcycle accident claims. You may lack the background in accident investigation, medicine or insurance law needed to successfully analyze these claims. You may be tired of dealing with the mountains of paper that keep showing up in your mailbox – bills, letters, “subrogation” notices. You do not understand what “documentation” an insurer will require you to produce to resolve a claim- or how to get it.

Often just OBTAINING the records is its own tightrope process. We handle cases from Cincinnati to Cleveland – Toledo to Marietta. We deal with doctors and hospitals all over the state. Our staff knows how to get the records and bills we need quickly & efficiently to make sure you case moves as fast as possible towards a reasonable resolution.

Your lawyer wears many hats. Initially, your lawyer is an investigator – interviewing witnesses, gathering evidence, evaluating the police conclusions as to liability and, if needed, working with a special motorcycle accident reconstruction expert to properly analyze the crash. I have investigated hundreds, if not thousands of crashes.

Your lawyer also obtains, reviews, organizes and analyzes every single piece of paper & DATA related to the crash and your injuries. This includes all medical records and bills from all of your care providers – a time-consuming experience! Our office gathers up records every day and has the experience to expedite this often tedious process. I have reviewed and analyzed medical records for 1000s of clients.

Your lawyer operates as a buffer between you and an often aggressive, or even obnoxious, insurance adjustor, handling all communications and negotiations. I can protect you from these calls and aggressively present your claim to even the most annoying insurance adjustor!

Of course, your lawyer uses years of study and experience to provide you with independent, competent professional advice about the many legal issues that arise in personal injury cases. Your lawyer is a professional negotiator, presenting your claim in a manner designed to maximize your recovery and handling all communications. Over the past 40+ years, I have successfully resolved 1000s of claims.

Finally, if needed, your lawyer is a litigator, she/he is responsible for steering your case through the court system. I have been lead trial counsel in hundreds of litigated matters in the state and federal courts throughout Ohio. I have also appeared in several of Ohio’s courts of appeals and the United States Sixth Circuit Court of Appeals.

Since part of my work and trial experience includes stints with an aggressive insurance defense law firm and as in-house trial counsel for major insurance company, I have seen these cases from “both sides” and have a very good understanding of how insurance companies “think.”

Q: Why do I need a “BIKE Lawyer?”

I am an avid bicycle & motorcycle rider. I have logged thousands of bike & motorcycle miles on all types roadways and am familiar with the issues facing riders every day – distracted and aggressive motorists, semi-trucks, snarling dogs, bad road conditions – I’ve seen it all.

My law practice centers around two wheels! As Ohio’s BIKE Lawyer with more than 40 years of experience and 1000s of successful personal injury and accident cases under my belt, I am uniquely qualified to aggressively pursue your Crash claim.

Q: What about property damage to my BIKE and other gear?

A: For many of my clients, their first question after getting hit by a car is, “How’s my bike?”

Insurers often don’t understand how to value a bicycle or motorcycle and make very low offers to settle your property damage claim. Under Ohio law, you are entitled receive the cost of repair, up to the “value” of your bike. Unlike many lawyers and insurance adjustors, I know how valuable bicycles & motorcycles can be. Riders LOVE their bikes and tweak them endlessly. Rarely does an experience just have an “off the showroom floor” bike – they add piece, upgrade parts, swap out for better components… all of which impacts the value calculation. We have experience dealing with property damage claims in 100s of bicycle & motorcycle cases!!

Q: Why is TRIAL experience so important?

There are more than 40,000 lawyers in Ohio. Most of them have never tried a case to a jury and many have never been inside a courtroom! I have more than 40 years of trial experience and have been “Trial Counsel” in hundreds of cases. I have handled cases in many of Ohio’s 88 counties – from the most urban to the most rural – and have tried many cases to verdict and through an appeal during my career as a trial lawyer.

We take cases as far as they need to go. It’s YOUR case. If we cannot settle it I am not afraid to take your case to trial if that is what it takes to maximize the value of your Crash claim. I have tried cases to verdict in many Ohio courtrooms. I remain fully involved and responsible for your case at all times.

A: Why is Insurance Experience so important?

Unlike most “personal injury” lawyers, my legal experience includes working as an insurance lawyer. I spent several years as in-house trial counsel for a multi-billion dollar international insurer handling the defense of insurance claims and representing the company in litigation. I have also worked as an insurance defense lawyer for an aggressive litigation law firm which handled cases for some 20 different insurance companies. This experience provided me valuable insight into how insurance adjustors work and how decisions are made by insurance companies. I put that knowledge and experience to work for YOU as your BIKE Lawyer!

Q: I had a CRASH. When should I call you?

A: Call me immediately at 513-484-BIKE [2453], or send me an email at BikeLawyer@me.com.

Do not talk to the other person’s insurance companies until after you have consulted a lawyer.

If you give a “statement” to the insurer, you may unknowingly make damaging statements or provide information the insurer is not entitled to have.

I make a point of returning all calls and e-mails the day I receive them. If you have been injured in a CRASH you need to know right away what insurance coverage is in place to cover your medical expenses and lost wages. I can initiate an attorney/client relationship & get involved in your case IMMEDIATELY.

Q: What are your fees for handling CRASH claims? Are you going to bill me for the time you spend on my case?

A: I handle most CRASH on a contingency fee basis. This means I ONLY GET PAID WHEN I RECOVER MONEY FOR YOU. If there is no recovery there is no fee. I do not bill you for phone calls or for my time. You pay my fee at the end of the case out of the monies I am able to recover for you.

Q: Will I get to talk to YOU if I call 513-484-BIKE or write to you at BikeLawyer@me.com?

A: Yes. I offer a FREE CONSULTATION on all Crash claims. Every person who calls for a free consultation talks directly to me. I promptly return calls if I am unavailable but usually you will talk to me right away or later the same day.

Q: Should I call you even if I want to handle my claim myself?

A: Yes! While handling a case on your own can be risky I do recommend that in some smaller cases. I am happy to discuss your claim when you call and provide you with my insights and suggestions. If I think I can help you I will say so – if I think you are better off handling your claim on your own, I will honestly tell you so.

Q: Do I have to go downtown to meet you?

A: NO! I will meet you wherever it is convenient for you. I am happy to meet you in your home, your business, a restaurant or wherever it is convenient for you. We can always meet in my office, as well. My main office is in Anderson Township, at 7850 Five Mile Road, Cincinnati, OH 45230. I also have a satellite office near 275 and Fields Ertel, on Waterstone. If downtown is best for you, I also have access to a variety of meeting places downtown.

In today’s “virtual Post-Covid world” I find myself more and more becoming involved in claims through email, Zoom and telephone interaction. I can email the critical forms and documents to you for your review and we can establish an attorney-client relationship in this manner!

Q: Can I recover even if the motorist never hit me?

A: Yes. Physical contact between your Bike and another motor vehicle is NOT required for the motorist to be liable. Cyclists & Motorcyclists sometimes crash while taking evasive action to avoid a motor vehicle that is being carelessly operated. Sometimes the motorist does not bother to stop – or even KNOW that an accident occurred. The motorist can still be held liable if their negligence required the motorcyclist to take the evasive action which led to a crash. In a Hit & Run situation we can use YOUR auto/motorcycle coverage to secure a recovery.

Q: Can I recover even if the motorist’s insurer denies my claim?

A: Yes. A “denial” of your claim by an insurance adjustor may be based on an incorrect analysis of your claim by the insurer. If the insurer does not understand the operation of a Bike, the insurer may feel that you were at fault in a crash when you were not.

If the insurer feels you were at fault in the crash, in whole or in part, it may “deny” your claim – this means the insurer simply refuses to pay. An insurer’s refusal to pay is sometimes jokingly referred to as the “WAP” defense – “We Ain’t Paying!”

The denial of a claim does not mean you cannot recover. In many cases, I have been able to re-open a “denied” claim after properly analyzing how the crash occurred and presenting this fresh analysis to the adjustor.

In cases where the insurer still refuses to consider the claim, only a lawsuit can move the claim forward. I have handled many cases which were initially denied but were then favorably settled after we filed suit. Sometimes the insurer needs to approach a trial date, and face the risk of a large jury verdict, before it decides to settle.

Q: Can I recover if the other driver had no insurance?

A: Yes. If you have “uninsured motorist” coverage, you may be able to recover money for your medical bills and pain and suffering even if the other driver had no insurance. However, uninsured motorist claims are notoriously complex. You should consult with an attorney before proceeding on your own.

Q: How do I recover if the other driver only has “state minimum” coverage and my medical bills are more than the coverage?

A: Ohio’s “state minimum” coverage is only $25,000 and is one of the lowest in the country. Many insurers are taking advantage of this and television advertising promising to “keep you legal” is at an all time high.

Frequently, though, when just the medical bills and wage loss from a motorcycle accident are calculated, the loss is approaches or exceeds $25,000.00. The value of your claim includes much more than just bills and wage loss. In such situations, the motorcyclist’s “underinsured motorist” coverage may apply. These claims can be very complex and a lawyer familiar with uninsured/underinsured motorist coverage should be consulted.

DO NOT ACCEPT THE “POLICY LIMITS” FROM THE MOTORIST’S INSURER WITHOUT CONSULTING WITH AN ATTORNEY. DOING SO MAY PREVENT YOU FROM ANY FURTHER RECOVERY!

I have handled cases involving many complex insurance questions, including uninsured/underinsured motorist issues. Ohio courts have issued hundreds of decisions affecting these complex claims just in the past few years, and familiarity with the current state of the law is critical to protecting YOUR rights.

Q: My health insurer has sent me a “subrogation” letter and seems to want me to pay money back! What the heck is “subrogation” anyway? Do I have to pay them back?

A: “Subrogation” is a very important and complex legal concept that arises in virtually every injury claim in which there is health or disability insurance. “Subrogation” means that you, the injured victim, may be required to pay back his or her health insurer, auto insurer or disability insurer out of the proceeds of a personal injury claim settlement! Your insurance policy needs to be reviewed to determine the extent of any “subrogation” provisions.

If you try to handle your claim without a lawyer, you may not realize until it is too late that you are required to pay back your insurer. If you settle for too little money, the insurer may be able to get all or most of it, leaving you without recourse! If your medical bills are paid by Medicare or Medicaid, there are specific laws which may require you pay back the government for accident-related medical bills out of any settlement.

The possibility of a “subrogation” claim is one very important reason why you should contact a lawyer for advice on your motorcycle accident claim!

I have successfully resolved hundreds of “subrogation” issues for my clients. Frequently, if the proper arguments are aggressively made, subrogation claims can be negotiated such that the insurer takes no money, or considerably less money than it initially demands from you. This negotiation with your own insurers is part of the service I provide and another way I am able to maximize your recovery.

Q: How do I know if I have a good CRASH claim?

A: You need to contact me and we can discuss your case. I offer a FREE CONSULTATION about your claim.

Q: Should I accept an offer from an insurance company? How Much is my claim WORTH???

A: Without discussing your case with you in detail, it is impossible to know if the offer the insurer has made even comes close to the reasonable value of your claim. Remember, the insurance company’s representative is a well-trained, highly skilled advocate with an important job—to minimize the amount of money the insurer pays you.

Your claim is a “thing” which has a value in a very special marketplace –a marketplace where only a judge or jury can set the “true” value.

If you wanted to sell an old oil painting, ’65 Mustang or Pete Rose rookie baseball card, I would send you to an appropriate expert to have those “things” valued since I lack the training and experience to provide you with a reasonable value. I would tell you, and you would be smart enough to know, that the person who wants to buy your “thing” is not likely to offer the full value! Just like those buyers, insurance companies will lowball you and try to get you to sell your “thing” – your claim – at a substantial discount.

With any CRASH/INJURY claim, the same negotiating reasoning applies. As your lawyer one of the many hats I wear is acting as an “appraiser” of your claim. The insurer wants to “buy” your claim –to pay you money to settle your claim. Unless you have training in law and medicine, and experience researching jury verdicts and negotiating or trying such cases, you probably do not fully understand the factors that make your claim more or less valuable. You may lack the ability to determine if the insurer’s offer is “in the ballpark” of the value of your claim. You may grossly over, or under, value your claim.

My experience includes successfully resolving 1000s of injury cases over the past 40 years. I have put cases together from start to finish, researched legal and medical issues, consulted with appropriate experts, including accident reconstruction experts, visited the scenes of almost every accident I’ve been involved with, studied police reports, analyzed medical records, negotiated simple and complex cases and taken many cases to trial. My experience provides me with the qualifications to analyze and maximize the recovery in YOUR claim!

Q: Will my case take up a lot of my time?

A: No. Once I take a case, I handle everything. We gather up all the paper, handle all dealings with the insurer and work to settle your claim. You will only need to keep my office informed of your treatment and recovery.

Once you have recovered and we have all of your documents, I will discuss my analysis of your case with you and together we will decide on a settlement negotiation strategy. I will discuss with you EVERY offer made by the insurer. YOU make the decision about whether to resolve the case or not.

In fact, some cases are resolved with only a few telephone calls with the client. If your case cannot be settled, and a lawsuit is needed, then your time involvement would increase.

Q: Will I have to go to trial?

A: Over the years I have noted that I settle roughly 80-85% of all personal injury claims before a lawsuit is even filed. Of the 15-20% of cases in which a lawsuit is filed, only 1-2% of those ever get to “trial” as the vast majority are settled before trial. Unless your claim fits into that 1-2% of cases that cannot be settled short of trial, you can be reasonably assured that the likelihood of your going to trial is very slim.

Q: What other types of accident cases do you handle?

A: I handle virtually any Ohio case where someone is hurt or killed. These include:

• All types of crashes and collisions involving motorcycles, scooters, wheelchairs, rollerblades, mopeds and motorized motorcycles.
• Dog attacks
• Motor vehicle accidents
• Pedestrian Injuries
• Product Liability
• Frame or Component Failures
• Explosions
• Plane Crashes
• Wrongful Death
• Brain Injuries/Concussions
• Catastrophic Injury claims
• Burns
• Fractures
• Disc Injuries – Bulging discs, Herniated discs
• Nerve Damage
• Surgery
• ATV accidents

Q: Where in OHIO do you handle cases?

A: I have handled hundreds of personal injury and accident cases throughout southern Ohio, including Cincinnati, Dayton, Hamilton, Middletown, Batavia, Lebanon, Georgetown, Hamilton County, Clermont County, Butler County, Warren County, Brown County, Highland County and Adams County. I have handled cases throughout Ohio, including Cleveland, Columbus, Toledo, Mansfield, Indian Lake, Zanesville, Bellefontaine, Marietta, Portsmouth, Ironton and Troy. I provide a FREE CONSULTATION about personal injury, accident or bicycle cases to EVERYONE! Call me at 513-484-2453 today!

Adams County:

Cherry Fork, Manchester, Peebles, Rome, Seaman, West Union, Winchester

Allen County:

Beaverdam, Bluffton, Cairo, Delphos, Elida, Fort Shawnee, Harrod, Lafayette, 

Lima, Spencerville

Ashland County:

Ashland, Bailey Lakes, Hayesville, Jeromesville, Loudonville, Mifflin, 

Perrysville, Polk, Savannah

Ashtabula County:

Andover, Ashtabula, Conneaut, Edgewood, Geneva, Geneva-on-the-Lake, Jefferson, 

North Kingsville, Orwell, Roaming Shores, Rock Creek

Athens County:

Albany, Amesville, Athens, Buchtel, Chauncey, Coolville, Glouster, Jacksonville, 

Nelsonville, The Plains, Trimble

Auglaize County:

Buckland, Cridersville, Minster, New Bremen, New Knoxville, St. Marys, 

Uniopolis, Wapakoneta, Waynesfield

Belmont County:

Barnesville, Bellaire, Belmont, Bethesda, Bridgeport, Brookside, Fairview, 

Flushing, Holloway, Martins Ferry, Morristown, Neffs, Powhatan Point, St. 

Clairsville, Shadyside, Wilson, Yorkville

Brown County:

Aberdeen, Fayetteville, Georgetown, Hamersville, Higginsport, Mount Orab, 

Ripley, Russellville, St. Martin, Sardinia

Butler County:

Beckett Ridge, College Corner, Fairfield, Hamilton, Jacksonburg, Middletown, 

Millville, Monroe, New Miami, Olde West Chester, Oxford, Ross, Seven Mile, 

Sharonville, Somerville, South Middletown, Trenton, Wetherington

Carroll County:

Carrollton, Dellroy, Leesville, Magnolia, Malvern, Minerva, Sherrodsville

Champaign County:

Christiansburg, Mechanicsburg, Mutual, North Lewisburg, St. Paris, Urbana, 

Woodstock

Clark County:

Catawba, Clifton, Crystal Lakes, Donnelsville, Enon, Green Meadows, Holiday 

Valley, Lawrenceville, New Carlisle, North Hampton, Northridge, Park Layne, 

South Charleston, South Vienna, Springfield, Tremont City

Clermont County:

Amelia, Batavia, Bethel, Cherry Grove, Chilo, Day Heights, Felicity, Loveland, 

Milford, Moscow, Mount Carmel, Mount Repose, Mulberry, Neville, New Richmond, 

Newtonsville, Owensville, Summerside, Williamsburg, Withamsville

Clinton County:

Blanchester, Clarksville, Martinsville, Midland, New Vienna, Port William, 

Sabina, Wilmington

Columbiana County:

Calcutta, Columbiana, East Liverpool, East Palestine, Glenmoor, Hanoverton, La 

Croft, Leetonia, Lisbon, Minerva, New Waterford, Rogers, Salem, Salineville, 

Summitville, Washingtonville, Wellsville

Coshocton County:

Baltic, Conesville, Coshocton, Nellie, Plainfield, Warsaw, West Lafayette

Crawford County:

Bucyrus, Chatfield, Crestline, Galion, New Washington, North Robinson, Tiro

Cuyahoga County:

Bay Village, Beachwood, Bedford, Bedford Heights, Bentleyville, Berea, 

Bratenahl, Brecksville, Broadview Heights, Brooklyn, Brooklyn Heights, Brook 

Park, Chagrin Falls, Cleveland, Cleveland Heights, Cuyahoga Heights, East 

Cleveland, Euclid, Fairview Park, Garfield Heights, Gates Mills, Glenwillow, 

Highland Heights, Highland Hills, Hunting Valley, Independence, Lakewood, 

Linndale, Lyndhurst, Maple Heights, Mayfield, Mayfield Heights, Middleburg 

Heights, Moreland Hills, Newburgh Heights, North Olmsted, North Randall, North 

Royalton, Oakwood, Olmsted Falls, Orange, Parma, Parma Heights, Pepper Pike, 

Richmond Heights, Rocky River, Seven Hills, Shaker Heights, Solon, South Euclid, 

Strongsville, University Heights, Valley View, Walton Hills, Warrensville 

Heights, Westlake, Woodmere

Darke County:

Ansonia, Arcanum, Bradford, Burkettsville, Castine, Gettysburg, Gordon, 

Greenville, Hollansburg, Ithaca, New Madison, New Weston, North Star, Osgood, 

Palestine, Pitsburg, Rossburg, Union City, Versailles, Wayne Lakes, Yorkshire

Defiance County:

Defiance, Hicksville, Ney, Sherwood

Delaware County:

Ashley, Columbus, Delaware, Dublin, Galena, Ostrander, Powell, Shawnee Hills, 

Sunbury, Westerville

Erie County:

Bay View, Berlin Heights, Castalia, Fairview Lanes, Huron, Kelleys Island, 

Milan, Sandusky, Sandusky South, Vermilion

Fairfield County:

Amanda, Baltimore, Bremen, Buckeye Lake, Canal Winchester, Carroll, Columbus, 

Fairfield Beach, Lancaster, Lithopolis, Millersport, Pickerington, 

Pleasantville, Reynoldsburg, Rushville, Stoutsville, Sugar Grove, Thurston, West 

Rushville

Fayette County:

Bloomingburg, Jeffersonville, Milledgeville, New Holland, Octa, Washington

Franklin County:

Bexley, Blacklick Estates, Brice, Canal Winchester, Columbus, Dublin, Gahanna, 

Grandview Heights, Grove City, Groveport, Harrisburg, Hilliard, Huber Ridge, 

Lake Darby, Lincoln Village, Lockbourne, Marble Cliff, Minerva Park, New Albany, 

New Rome, Obetz, Pickerington, Reynoldsburg, Riverlea, Upper Arlington, 

Urbancrest, Valleyview, Westerville, Whitehall, Worthington

Fulton County:

Archbold, Delta, Fayette, Lyons, Metamora, Swanton, Wauseon

Gallia County:

Centerville, Cheshire, Crown City, Gallipolis, Rio Grande, Vinton

Geauga County:

Aquilla, Bainbridge, Burton, Chardon, Chesterland, Hunting Valley, Middlefield, 

South Russell

Greene County:

Beavercreek, Bellbrook, Bowersville, Cedarville, Clifton, Fairborn, Jamestown, 

Kettering, Shawnee Hills, Spring Valley, Wilberforce, Wright-Patterson AFB, 

Xenia, Yellow Springs

Guernsey County:

Byesville, Cambridge, Cumberland, Fairview, Kimbolton, Lore City, Old 

Washington, Pleasant City, Quaker City, Salesville, Senecaville

Hamilton County:

Addyston, Amberley, Arlington Heights, Blue Ash, Bridgetown North, Cherry Grove, 

Cheviot, Cincinnati, Cleves, Covedale, Deer Park, Dent, Dillonvale, Dry Run, 

Elmwood Place, Evendale, Fairfax, Fairfield, Finneytown, Forest Park, 

Forestville, Fruit Hill, Glendale, Golf Manor, Grandview, Greenhills, Groesbeck, 

Harrison, Kenwood, Lincoln Heights, Lockland, Loveland, Loveland Park, Mack 

North, Mack South, Madeira, Mariemont, Milford, Monfort Heights East, Monfort 

Heights South, Montgomery, Mount Carmel, Mount Healthy, Mount Healthy Heights, 

Newtown, North Bend, Northbrook, North College Hill, Northgate, Norwood, 

Pleasant Run, Pleasant Run Farm, Reading, St. Bernard, Sharonville, Sherwood, 

Silverton, Springdale, Terrace Park, The Village of Indian Hill, Turpin Hills, 

White Oak, White Oak East, White Oak West, Woodlawn, Wyoming

Hanco*ck County:

Arcadia, Arlington, Benton Ridge, Bluffton, Findlay, Fostoria, Jenera, McComb, 

Mount Blanchard, Mount Cory, Rawson, Van Buren, Vanlue

Hardin County:

Ada, Alger, Dunkirk, Forest, Kenton, McGuffey, Mount Victory, Patterson, 

Ridgeway

Harrison County:

Adena, Bowerston, Cadiz, Deersville, Freeport, Harrisville, Hopedale, Jewett, 

New Athens, Scio

Henry County:

Deshler, Florida, Hamler, Holgate, Liberty Center, McClure, Malinta, Napoleon, 

New Bavaria

Highland County:

Greenfield, Highland, Hillsboro, Leesburg, Lynchburg, Mowrystown, Sinking Spring

Hocking County:

Buchtel, Laurelville, Logan, Murray City

Holmes County:

Baltic, Glenmont, Holmesville, Killbuck, Loudonville, Millersburg, Nashville

Huron County:

Bellevue, Greenwich, Milan, Monroeville, New London, North Fairfield, Norwalk, 

Plymouth, Wakeman, Willard

Jackson County:

Coalton, Jackson, Oak Hill, Wellston

Jefferson County:

Adena, Amsterdam, Bergholz, Bloomingdale, Dillonvale, Empire, Irondale, Mingo 

Junction, Mount Pleasant, New Alexandria, Rayland, Richmond, Salineville, 

Smithfield, Steubenville, Stratton, Tiltonsville, Toronto, Wintersville, 

Yorkville

Knox County:

Centerburg, Danville, Fredericktown, Gambier, Gann, Martinsburg, Mount Vernon, 

Utica

Lake County:

Eastlake, Fairport Harbor, Grand River, Kirtland, Kirtland Hills, Lakeline, 

Madison, Mentor, Mentor-on-the-Lake, North Madison, North Perry, Painesville, 

Perry, Timberlake, Waite Hill, Wickliffe, Willoughby, Willoughby Hills, 

Willowick

Lawrence County:

Athalia, Burlington, Chesapeake, Coal Grove, Hanging Rock, Ironton, 

Proctorville, South Point

Licking County:

Alexandria, Beechwood Trails, Buckeye Lake, Granville, Granville South, Gratiot, 

Hanover, Harbor Hills, Hartford, Heath, Hebron, Johnstown, Kirkersville, Newark, 

Pataskala, Reynoldsburg, St. Louisville, Utica

Logan County:

Belle Center, Bellefontaine, De Graff, Huntsville, Lakeview, Quincy, Ridgeway, 

Rushsylvania, Russells Point, Valley Hi, West Liberty, West Mansfield, 

Zanesfield

Lorain County:

Amherst, Avon, Avon Lake, Eaton Estates, Elyria, Grafton, Kipton, Lagrange, 

Lorain, North Ridgeville, Oberlin, Rochester, Sheffield, Sheffield Lake, South 

Amherst, Vermilion, Wellington

Lucas County:

Berkey, Harbor View, Holland, Maumee, Oregon, Ottawa Hills, Swanton, Sylvania, 

Toledo, Waterville, Whitehouse

Madison County:

Choctaw Lake, London, Midway, Mount Sterling, Plain City, South Solon, West 

Jefferson

Mahoning County:

Alliance, Austintown, Beloit, Boardman, Campbell, Canfield, Columbiana, Craig 

Beach, Lowellville, Maple Ridge, Mineral Ridge, New Middletown, Poland, Sebring, 

Struthers, Washingtonville, Youngstown

Marion County:

Caledonia, Green Camp, La Rue, Marion, Morral, New Bloomington, Prospect, Waldo

Medina County:

Brunswick, Chippewa Lake, Gloria Glens Park, Lodi, Medina, Rittman, Seville, 

Spencer, Wadsworth, Westfield Center

Meigs County:

Middleport, Pomeroy, Racine, Rutland, Syracuse

Mercer County:

Burkettsville, Celina, Chickasaw, Coldwater, Fort Recovery, Mendon, Montezuma, 

Rockford, St. Henry

Miami County:

Bradford, Casstown, Covington, Fletcher, Huber Heights, Laura, Ludlow Falls, 

Piqua, Pleasant Hill, Potsdam, Tipp City, Troy, West Milton

Monroe County:

Antioch, Beallsville, Clarington, Graysville, Jerusalem, Lewisville, 

Miltonsburg, Stafford, Wilson, Woodsfield

Montgomery County:

Brookville, Carlisle, Centerville, Clayton, Dayton, Drexel, Englewood, 

Farmersville, Fort McKinley, Germantown, Huber Heights, Kettering, Miamisburg, 

Moraine, New Lebanon, Northridge, Oakwood, Phillipsburg, Riverside, Shiloh, 

Springboro, Trotwood, Union, Vandalia, Verona, West Carrollton City, 

Woodbourne-Hyde Park, Wright-Patterson AFB

Morgan County:

Chesterhill, McConnelsville, Malta, Stockport

Morrow County:

Cardington, Chesterville, Edison, Fulton, Marengo, Mount Gilead, Sparta

Muskingum County:

Adamsville, Dresden, Frazeysburg, Fultonham, Gratiot, New Concord, North 

Zanesville, Norwich, Philo, Pleasant Grove, Roseville, South Zanesville, 

Zanesville

Noble County:

Batesville, Belle Valley, Caldwell, Dexter City, Sarahsville, Summerfield

Ottawa County:

Clay Center, Elmore, Genoa, Marblehead, Oak Harbor, Port Clinton, Put-in-Bay, 

Rocky Ridge

Paulding County:

Antwerp, Broughton, Cecil, Grover Hill, Haviland, Latty, Melrose, Oakwood, 

Paulding, Payne, Scott

Perry County:

Corning, Crooksville, Glenford, Hemlock, Junction City, New Lexington, New 

Straitsville, Rendville, Roseville, Shawnee, Somerset, Thornville

Pickaway County:

Ashville, Circleville, Commercial Point, Darbyville, Harrisburg, Logan Elm 

Village, New Holland, Orient, South Bloomfield, Tarlton, Williamsport

Pike County:

Beaver, Piketon, Waverly City

Portage County:

Aurora, Brady Lake, Brimfield, Garrettsville, Hiram, Kent, Mantua, Mogadore, 

Ravenna, Streetsboro, Sugar Bush Knolls, Tallmadge, Windham

Preble County:

Camden, College Corner, Eaton, Eldorado, Gratis, Lewisburg, New Paris, Verona, 

West Alexandria, West Elkton, West Manchester

Putnam County:

Belmore, Cloverdale, Columbus Grove, Continental, Dupont, Fort Jennings, Gilboa, 

Glandorf, Kalida, Leipsic, Miller City, Ottawa, Ottoville, Pandora, West Leipsic

Richland County:

Bellville, Butler, Crestline, Lexington, Lucas, Mansfield, Ontario, Plymouth, 

Shelby, Shiloh

Ross County:

Adelphi, Bainbridge, Chillicothe, Clarksburg, Frankfort, Kingston, North Fork 

Village, South Salem

Sandusky County:

Ballville, Bellevue, Burgoon, Clyde, Fremont, Gibsonburg, Green Springs, Helena, 

Lindsey, Stony Prairie, Woodville

Scioto County:

Franklin Furnace, Lucasville, New Boston, Otway, Portsmouth, Rarden, Rosemount, 

Sciotodale, South Webster, West Portsmouth, Wheelersburg

Seneca County:

Attica, Bettsville, Bloomville, Fostoria, Green Springs, New Riegel, Republic, 

Tiffin

Shelby County:

Anna, Botkins, Fort Loramie, Jackson Center, Kettlersville, Lockington, Port 

Jefferson, Russia, Sidney

Stark County:

Alliance, Beach City, Brewster, Canal Fulton, Canton, East Canton, East Sparta, 

Greentown, Hartville, Hills and Dales, Limaville, Louisville, Magnolia, 

Massillon, Meyers Lake, Minerva, Navarre, North Canton, Perry Heights, 

Uniontown, Waynesburg, Wilmot

Summit County:

Akron, Barberton, Boston Heights, Clinton, Cuyahoga Falls, Fairlawn, Green, 

Hudson, Lakemore, Macedonia, Mogadore, Montrose-Ghent, Munroe Falls, New 

Franklin, Northfield, Norton, Peninsula, Pigeon Creek, Portage Lakes, 

Reminderville, Richfield, Silver Lake, Stow, Tallmadge, Twinsburg

Trumbull County:

Bolindale, Brookfield Center, Champion Heights, Churchill, Cortland, Girard, 

Hilltop, Howland Center, Hubbard, Leavittsburg, Lordstown, McDonald, Maplewood 

Park, Masury, Mineral Ridge, Newton Falls, Niles, Orangeville, South Canal, 

Vienna Center, Warren, West Farmington, West Hill, Yankee Lake, Youngstown

Tuscarawas County:

Baltic, Barnhill, Bolivar, Dennison, Dover, Gnadenhutten, Midvale, Mineral City, 

Newcomerstown, New Philadelphia, Parral, Port Washington, Roswell, Stone Creek, 

Strasburg, Sugarcreek, Tuscarawas, Uhrichsville, Zoar

Union County:

Dublin, Magnetic Springs, Marysville, Milford Center, Plain City, Richwood, 

Unionville Center

Van Wert County:

Convoy, Delphos, Elgin, Middle Point, Ohio City, Scott, Van Wert, Venedocia, 

Willshire, Wren

Vinton County:

Hamden, McArthur, Wilkesville, Zaleski

Warren County:

Blanchester, Butlerville, Carlisle, Corwin, Five Points, Franklin, Harveysburg, 

Hunter, Landen, Lebanon, Loveland, Loveland Park, Maineville, Mason, Middletown, 

Monroe, Morrow, Pleasant Plain, South Lebanon, Springboro, Waynesville

Washington County:

Belpre, Beverly, Devola, Lowell, Lower Salem, Macksburg, Marietta, Matamoras

Wayne County:

Apple Creek, Burbank, Congress, Creston, Dalton, Doylestown, Fredericksburg, 

Marshallville, Mount Eaton, Norton, Orrville, Rittman, Shreve, Smithville, West 

Salem, Wooster

Williams County:

Alvordton, Blakeslee, Bryan, Edgerton, Edon, Holiday City, Montpelier, Pioneer, 

Stryker, West Unity

Wood County:

Bairdstown, Bloomdale, Bowling Green, Bradner, Custar, Cygnet, Fostoria, Grand 

Rapids, Haskins, Hoytville, Jerry City, Luckey, Millbury, Milton Center, North 

Baltimore, Northwood, Pemberville, Perrysburg, Portage, Risingsun, Rossford, 

Tontogany, Walbridge, Wayne, West Millgrove, Weston

Wyandot County:

Carey, Harpster, Kirby, Marseilles, Nevada, Sycamore, Upper Sandusky, Wharton

STEVEN MAGAS – THE BIKELAWYER

“…Got Rights?”

BikeLawyer@aol.com 513-484-BIKE[2453]

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