Ohio Revised Code Chapter 3937 - Casualty Insurance; Motor Vehicle Insurance

• Section 3937.01 - Regulation Of Rates For Casualty Insurance - Exceptions.
  Sections 3937.01 to 3937.16 of the Revised Code apply to casualty insurance including fidelity, surety, and guaranty bonds, and to all forms of motor...
• Section 3937.011 - Application Of Sections.
  Sections 3937.01 to 3937.17, inclusive, of the Revised Code apply to subscribers, their attorneys or representatives authorized to exchange reciprocal or interinsurance contracts under...
• Section 3937.02 - Basic Provisions For Rate Making.
  All casualty rates shall be made in accordance with the following: (A) Due consideration shall be given to: (1) Past and prospective loss experience...
• Section 3937.021 - Relevant Factors For Determining Rates.
  In determining rates for motor vehicle insurance, an insurer shall not consider the fact that an applicant does not have motor vehicle insurance covering...
• Section 3937.03 - Classifications - Rules - Rates - Rating Plan.
  (A) Every insurer shall file with the superintendent of insurance every form of a policy, endorsement, rider, manual of classifications, rules, and rates, every...
• Section 3937.04 - Hearing On Rates And Filings.
  (A) If at any time the superintendent of insurance finds that a rate to which sections 3937.01 to 3937.17 of the Revised Code apply...
• Section 3937.05 - Application For License As Rating Organization.
  (A) A corporation, an unincorporated association, a partnership, or an individual, whether located within or outside this state, may make application to the superintendent...
• Section 3937.06 - Deviation From Filings.
  Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization except that any such...
• Section 3937.07 - Advisory Organizations.
  Any member of or subscriber to a rating organization may appeal to the superintendent of insurance from the action or decision of such rating...
• Section 3937.08 - Rate Information Furnished Insurer Upon Request - Right Of Review And Appeal.
  Every rating organization, and every insurer which makes its own rates, shall within a reasonable time after receiving written request therefor, and upon payment...
• Section 3937.09 - Advisory Organization - Functions - Requirements - Order Of Superintendent.
  (A) Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings...
• Section 3937.10 - Regulations For Joint Underwriting And Joint Reinsurance.
  (A) Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance is subject to regulation with respect thereto...
• Section 3937.11 - Examination Of Rating Organization.
  The superintendent of insurance shall, at least once in five years, make an examination of each rating organization licensed in this state as provided...
• Section 3937.12 - Report Of Loss Experience - Interchange Of Rating Plan Data.
  Subject to sections 119.01 to 119.13, inclusive, of the Revised Code, the superintendent of insurance may promulgate reasonable rules for the reporting by each...
• Section 3937.13 - Agreement For Apportionment Of Insurance.
  Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in...
• Section 3937.14 - Withholding Information Or Making False Statements.
  No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the superintendent of insurance, any statistical agency...
• Section 3937.15 - Insurer May Request Hearing - Review Of An Order Or Decision Of Superintendent.
  Any insurer or rating organization aggrieved by any order or decision of the superintendent of insurance made without a hearing, may, within thirty days...
• Section 3937.16 - License May Be Suspended.
  The superintendent of insurance may suspend the license of any rating organization or insurer which fails to comply with an order of the superintendent...
• Section 3937.17 - Interpretation.
  Sections 3937.01 to 3937.17, inclusive, of the Revised Code shall be liberally interpreted to the end that insurance rates shall not be excessive, inadequate,...
• Section 3937.18 - Uninsured And Underinsured Motorist Coverage.
  (A) Any policy of insurance delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in...
• Section 3937.181 - Property Damage Coverage.
  (A) No policy of insurance described in division (A) of section 3937.18 of the Revised Code that includes uninsured motorist coverage, underinsured motorist coverage,...
• Section 3937.182 - Punitive Or Exemplary Damages.
  (A) As used in this section, "policy" includes an endorsement. (B) No policy of automobile or motor vehicle insurance that is covered by sections...
• Section 3937.19 - Summary Of Material Coverages And Exclusions For Personal Lines Policy.
  (A) As used in this section: (1) "Personal lines policy of insurance" means a policy of property and casualty insurance issued to a natural...
• Section 3937.21 - Insurance Company - Obligation To Defend.
  No insurance company issuing a policy of automobile or motor vehicle liability insurance shall be relieved of its contractual obligation to defend its insured...
• Section 3937.22 - Prohibiting Increase In Cost When Insured Not At Fault.
  No insurer shall increase the cost of a private passenger automobile insurance policy based on the insured's involvement in a single motor vehicle accident...
• Section 3937.23 - Prohibiting Increase In Cost When Insured Not At Fault Involved In Accident With Uninsured Motorist.
  No insurer shall increase the cost of a private passenger automobile insurance policy based on the insured's involvement in a motor vehicle accident with...
• Section 3937.25 - Grounds For Cancellation.
  (A) As used in sections 3937.25 to 3937.29 of the Revised Code, "medical malpractice insurance" means insurance coverage against the legal liability of the...
• Section 3937.26 - Notice Of Nonrenewal Of Policy - Contents.
  (A) An insurer may refuse to renew a policy of commercial property insurance, commercial fire insurance, or commercial casualty insurance other than fidelity or...
• Section 3937.27 - Renewal Conditioned Upon Substantial Increase In Premium - Notice.
  (A) An insurer who intends to condition renewal of a policy of commercial property insurance, commercial fire insurance, or commercial casualty insurance other than...
• Section 3937.28 - Contents Of Cancellation Notice.
  (A) A notice of cancellation of a policy of medical malpractice insurance shall not be issued by any licensed insurer unless it is based...
• Section 3937.29 - Notice Of Intent To Terminate All Policies.
  (A) An insurer that intends to cancel, terminate, or otherwise not renew all policies of medical malpractice insurance that it has issued to any...
• Section 3937.30 - Automobile Insurance Policy Defined.
  (A) As used in sections 3937.30 to 3937.39 of the Revised Code, "automobile insurance policy" means an insurance policy delivered or issued in this...
• Section 3937.31 - Policy Period Or Guaranteed Renewable Successive Policy Periods.
  (A) Every automobile insurance policy shall be issued for a period of not less than one year or guaranteed renewable for successive policy periods...
• Section 3937.32 - Notice Of Cancellation.
  No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation. Such notice shall...
• Section 3937.33 - Cancellation Procedure.
  An insurer may cancel an automobile insurance policy at such time prior to its expiration for such reasons as may be permitted by section...
• Section 3937.34 - Notice Of Nonrenewal Of Policy - Contents.
  An insurer may refuse to renew an automobile insurance policy by mailing to the insured, at the insured's last known address appearing on the...
• Section 3937.35 - Cancellation Review By Superintendent Of Insurance.
  Upon receipt of a notice of cancellation given pursuant to section 3937.33 of the Revised Code at any time prior to the effective date...
• Section 3937.36 - Immunity.
  There is no liability on the part of, and no cause of action of any nature shall arise against, the superintendent of insurance, any...
• Section 3937.37 - Prohibiting Requirement Of Disclosure.
  No insurer on its application for an automobile insurance policy shall require the applicant to disclose any refusal or cancellation of automobile insurance other...
• Section 3937.38 - Prohibiting Failure To Renew Because Of Age.
  No insurer shall fail to renew an automobile insurance policy solely because of the age attained by the insured. Effective Date: 01-01-1970
• Section 3937.39 - Prohibiting Discrimination.
  No insurer shall cancel, or refuse to write or renew, any automobile insurance policy solely on the basis of national origin, creed, or race...
• Section 3937.41 - Prohibiting Consideration Of Work-related Accidents.
  (A) As used in this section: (1) "Ambulance" has the same meaning as in section 4765.01 of the Revised Code and also includes private...
• Section 3937.411 - Tickets For Civil Violations.
  No insurer shall consider the issuance of a ticket for a civil violation under section 4511.097 of the Revised Code to an applicant or...
• Section 3937.42 - Cooperation In Investigating Fraudulent Claims.
  (A) The chief or head law enforcement officer of any federal, state, or local law enforcement agency or a prosecuting attorney of any county...
• Section 3937.43 - Reduction In Premium Charges For Insureds Over 60 Completing Motor Vehicle Accident Prevention Course.
  (A) As used in this section: (1) "Automobile insurance policies" has the same meaning as in section 3937.30 of the Revised Code. (2) "Moving...
• Section 3937.44 - All Claims Resulting From One Person's Bodily Injury Subject To Limit Of Policy Applicable To Bodily Injury.
  Any liability policy of insurance including, but not limited to, automobile liability or motor vehicle liability insurance that provides a limit of coverage for...
• Section 3937.45 - Prohibiting Consideration Of Vehicle Weight Violations.
  (A) No insurer shall consider the circumstance that an applicant or policyholder has been convicted of any violation of the weight provisions of Chapter...
• Section 3937.46 - Applicability Of Intrafamily Liability Exclusion Against Owner Or Operator Of Motor Vehicle In Action For Wrongful Death.
  (A) An intrafamily liability exclusion shall not apply or be enforced by an insurer against the owner or operator of a motor vehicle in...
• Section 3937.99 - Penalty.
  (A) Whoever purposely violates sections 3937.01 to 3937.17 of the Revised Code shall be fined not more than five hundred dollars. (B) Whoever violates...

Last modified: October 10, 2016