State v. Winkle - Victim Entitled to Insurance Deductible as Restitution

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April 15, 2026 Get Citation Alerts Download PDF Add Note

State v. Winkle

Ohio Court of Appeals

• Citations: 2026 Ohio 1365
• Docket Number: C-250381

• Judges: Nestor

• Opinion

• Authorities (5)

• Cited By (0)

• Summaries (0)

• Similar Cases (10.4K)

• PDF

Syllabus

ABUSE OF DISCRETION – DEDUCTIBLE – ECONOMIC LOSS – INSURANCE – RESTITUTION – VICTIM IMPACT STATEMENT: Because the victim impact statement contains competent, credible evidence from which the trial court could determine that victim-appellant suffered an economic loss by paying an insurance deductible and therefore could be entitled to restitution in the amount of the insurance deductible, the cause must be remanded for the trial court to hold a restitution hearing.

Combined Opinion

[Cite as State v. Winkle, 2026-Ohio-1365.]

IN THE COURT OF APPEALS
FIRST APPELLATE DISTRICT OF OHIO
HAMILTON COUNTY, OHIO

STATE OF OHIO, : APPEAL NO. C-250381
TRIAL NO. 24/TRC/29913/A
Plaintiff-Appellee, :

and :
JUDGMENT ENTRY
VICTIM M.L., :

Appellant, :

vs. :

ADAM WINKLE, :

Defendant-Appellee.

This cause was heard upon the appeal, the record, the briefs, and arguments.
For the reasons set forth in the Opinion filed this date, the judgment of the trial
court is reversed and the cause is remanded.
Further, the court holds that there were reasonable grounds for this appeal,
allows no penalty, and orders that costs be taxed to Appellee Winkle.
The court further orders that (1) a copy of this Judgment with a copy of the
Opinion attached constitutes the mandate, and (2) the mandate be sent to the trial
court for execution under App.R. 27.

To the clerk:
Enter upon the journal of the court on 4/15/2026 per order of the court.

By:_______________________
Administrative Judge
[Cite as State v. Winkle, 2026-Ohio-1365.]

IN THE COURT OF APPEALS
FIRST APPELLATE DISTRICT OF OHIO
HAMILTON COUNTY, OHIO

STATE OF OHIO, : APPEAL NO. C-250381
TRIAL NO. 24/TRC/29913/A
Plaintiff-Appellee, :

and :
OPINION
VICTIM M.L., :

Appellant, :

vs. :

ADAM WINKLE, :

Defendant-Appellee.

Criminal Appeal From: Hamilton County Municipal Court

Judgment Appealed From Is: Reversed and Cause Remanded

Date of Judgment Entry on Appeal: April 15, 2026

Emily Smart Woerner, City Solicitor, William T. Horsley, Chief Prosecuting Attorney,
and Joseph M. Cossins, Assistant Prosecuting Attorney, for Plaintiff-Appellee,

Ohio Crime Victim Justice Center and Morgan Galle, for Victim-Appellant,

Alana Van Gundy, for Defendant-Appellee.
OHIO FIRST DISTRICT COURT OF APPEALS

NESTOR, Judge.

{¶1} Victim-appellant M.L. appeals the trial court’s denial of her restitution

request. Because M.L. presented competent, credible evidence from which the court

could determine restitution, we reverse the trial court’s judgment as it relates to

restitution only and remand the cause for the trial court to conduct a restitution

hearing.

I. Factual and Procedural History

{¶2} While driving under the influence of alcohol, defendant-appellee Adam

Winkle side-swiped multiple cars. Winkle pleaded guilty to operating a motor vehicle

while under the influence of alcohol or drugs, no contest to failing to reinstate his

license, and no contest to operating a vehicle without being in reasonable control.

{¶3} M.L. owns one of the cars Winkle damaged. The trial court discussed

restitution at Winkle’s sentencing hearing, but did not hold a separate restitution

hearing. At sentencing, Winkle indicated that he had agreed to pay restitution directly

to M.L.’s insurance company.

{¶4} M.L. did not appear at the sentencing hearing. She submitted her

restitution request via a victim impact statement. In the statement, M.L. requested

restitution to cover a $500 insurance deductible. The victim impact statement

includes an insurance claim and a statement from M.L. stating that she paid the

deductible.

{¶5} The State indicated that it did not believe restitution could be ordered,

because “insurance is paying that already[.]” The trial court agreed, and declined to

order restitution, citing concerns about double recovery because M.L. was already

recovering through insurance.

{¶6} M.L. appealed. Initially, the trial court did not transmit the victim

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OHIO FIRST DISTRICT COURT OF APPEALS

impact statement to this court. We remanded the cause so that the trial court could

supplement the record. The trial court did so on February 27, 2026. Having now

reviewed the entire record, including the victim impact statement, we proceed to the

merits.

II. Analysis

{¶7} In one assignment of error, M.L. asserts that the trial court erred by

failing to order restitution under Ohio Const., art. I, § 10a(A)(7) and R.C. 2929.28.

A. Standard of Review

{¶8} We review nonfelony restitution orders for an abuse of discretion. State

v. Dunn, 2026-Ohio-241, ¶ 10 (1st Dist.), citing State v. Haskett, 2024-Ohio-5933, ¶

13 (1st Dist.). An abuse of discretion occurs when the trial court acts in an

“‘unreasonable, arbitrary, or unconscionable’ manner.” Haskett at ¶ 13, citing

Johnson v. Abdullah, 2021-Ohio-3304, ¶ 34. Trial courts lack discretion to commit

errors of law. Id., citing Johnson at ¶ 39.

B. The State’s Role

{¶9} We pause to consider the State’s role in representing victims’ restitution

rights in the trial court, and how that role affects victims’ rights on appeal.

{¶10} “To preserve the issue for appeal, either the State or the victim must

request restitution before the trial court.” State v. Godfrey, 2025-Ohio-1575, ¶ 131 (1st

Dist.). In this case, the prosecutor did not specifically object to the trial court’s failure

to award M.L. restitution, as the prosecutor believed that the trial court could not

order restitution because M.L. was recovering through insurance.

{¶11} However, as explained below, even if a victim is recovering through

insurance, that recovery does not prohibit a victim from recovering the loss of an

insurance deductible the victim has paid. Nevertheless, whether the State’s

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OHIO FIRST DISTRICT COURT OF APPEALS

misrepresentation here constituted a misunderstanding of the facts or a

misunderstanding of the law does not affect M.L.’s ability to contest the trial court’s

failure to award her restitution on appeal because “[v]ictims have a right to appeal the

issue of restitution.” Godfrey at ¶ 131, citing Ohio Const., art. I, § 10a(B).

{¶12} This court considered a similar situation in State v. Morales, 2023-

Ohio-2459, ¶ 14-15 (1st Dist.). In Morales, the defendant crashed his car into a car

driven by the victim. Id. at ¶ 1. The victim did not seek restitution via representation

by the prosecutor. Id. at ¶ 14. Instead, the victim sought restitution by making a

request in a victim impact statement. Id. at ¶ 15. The victim did not appear in court.

Id. at ¶ 14. The trial court awarded restitution based on the victim impact statement.

Id. at ¶ 4.

{¶13} On appeal to this court, the defendant argued that “despite the

sentencing report indicating that [the victim] requested restitution, the request was

insufficient as it contained only boilerplate language, and [the victim] never appeared

in court and failed to immediately submit verifying receipts.” Id. at ¶ 14.

{¶14} This court held that because the victim “provided the court with

appropriate documents that contained information about the restitution . . . sought”

and “requested restitution in [the] victim impact statement” the “request for

restitution satisfied any necessary requirements.” Id. at ¶ 15.

{¶15} The Morales case supports our conclusion today that even though the

prosecutor did not directly object to the court’s failure to award M.L. restitution, that

failure to object does not limit M.L.’s appellate rights.

C. Restitution

{¶16} R.C. 2929.28(A)(1) permits a trial court to order the defendant to pay

restitution “to the victim . . . in an amount based on the victim’s economic loss.”

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OHIO FIRST DISTRICT COURT OF APPEALS

Haskett, 2024-Ohio-5933, ¶ 14 (1st Dist.), quoting R.C. 2929.28. R.C. 2929.01(L)

defines “economic loss” as “any economic detriment suffered by a victim as a direct

and proximate result of the commission of an offense.” “Restitution is limited to the

‘actual loss caused by the defendant’s criminal conduct.’” Haskett at ¶ 14, quoting

State v. Martin, 140 Ohio App. 3d 326, 337 (4th Dist. 2000).

{¶17} If a victim has insurance that covers damage caused by the defendant,

then restitution should be set at the amount of the deductible, rather than the amount

of the damage. Id. at ¶ 17.

{¶18} Here, M.L. submitted documentation suggesting that she incurred a

$500 insurance deductible as a result of Winkle’s conduct. Even though Winkle

indicated that he paid M.L.’s insurance company directly, the evidence suggests that

M.L. still suffered economic loss by paying her deductible. If, after conducting a

restitution hearing, the trial court determines that that is indeed the case, M.L. would

be entitled to restitution in the amount of her deductible. A victim who has paid a

deductible should be compensated for the amount paid.

{¶19} At oral argument, Winkle conceded that if the victim impact statement

contained evidence suggesting a deductible payment, the proper remedy would be to

remand for a restitution hearing. Having found such evidence, we sustain M.L.’s

assignment of error and remand the cause to the trial court.

III. Conclusion

{¶20} M.L.’s assignment of error is sustained. The judgment is reversed as it

relates to the trial court’s restitution determination. We remand the cause to the trial

court for the limited purpose of holding a restitution hearing to determine the amount

of restitution to which M.L. is entitled.

Judgment accordingly.

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OHIO FIRST DISTRICT COURT OF APPEALS

KINSLEY, P.J., and MOORE, J., concur.

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