Research About Meet PRIA

Support Data Sources Privacy Policy Terms of Servicehello@policyrisk.com

© 2026 PRIA Technologies, LLC. All rights reserved.

PRIA provides educational policy intelligence and is not a source of investment, legal, or financial advice. Content is for informational purposes only.

™

Your Policy Risk Impact Agent

Research

At My Address
Federal Courts
Daily Briefings
Medicare & Social Security
Policy Risk Index
Congressional Bills
Federal Register
Tariffs
Fed Decisions & The Economy
State Tracker
World Watch
U.S. Code
U.S. Constitution
Aliens

Knowledge

Search Polipedia
Daily Briefings
Calculators
Policy Risk Index
What is Policy Risk?
The Countdown

Company

About PRIA
Support

Get PRIA

Support Data Sources Privacy Policy Terms of Service

hello@policyrisk.com

© 2026 PRIA Technologies, LLC. All rights reserved.

PRIA is a trademark of PRIA Technologies, LLC.

PRIA provides educational policy intelligence and is not a source of investment, legal, or financial advice. Content is for informational purposes only.

Ohio Statutes, Title 39

™

Your Policy Risk Impact Agent

Ohio/Statutes

← All Ohio coverage

Title 39, Title 39. Insurance

43 chapters · 1,367 sections in this title.

All chapters in Title 391,367 Ch 3901, Chapter 3901 | Superintendent Of Ins…150 Ch 3905, Chapter 3905 | Insurance Producers L…123 Ch 3923, Chapter 3923 | Sickness And Accident…109 Ch 3903, Chapter 3903 | Reserve Valuation; Re…92 Ch 3929, Chapter 3929 | Domestic And Foreign …77 Ch 3941, Chapter 3941 | Operation Of Mutual I…51 Ch 3937, Chapter 3937 | Casualty Insurance; M…50 Ch 3921, Chapter 3921 | Fraternal Benefit Soc…43 Ch 3919, Chapter 3919 | Mutual Protective Ins…40 Ch 3925, Chapter 3925 | Domestic Insurance Co…36 Ch 3953, Chapter 3953 | Title Insurance36 Ch 3924, Chapter 3924 | Small Employer Health…33 Ch 3964, Chapter 3964 | Captive Insurance Com…33 Ch 3902, Chapter 3902 | Insurance Policies An…32

50 sections·Filtered byTitle 39✕Ch 3937✕

Ohio Rev. Code Ann. § 3937.01 Regulation of rates for casualty insurance - exceptions
0.8K chars
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 vehicle insurance, on risks or operations in this state, except:(A) Reinsurance, other than joint reinsurance to the extent stated…
Ohio Rev. Code Ann. § 3937.011 Application of sections
0.2K chars
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 sections 3931.01 to 3931.12, inclusive, of the Revised Code.
Ohio Rev. Code Ann. § 3937.02 Basic provisions for rate making
3.3K chars
All casualty rates shall be made in accordance with the following:(A) Due consideration shall be given to:(1) Past and prospective loss experience within and outside this state;(2) The experience or judgment, or both, of the insurer or rating organization making the rate;(3) The …
Ohio Rev. Code Ann. § 3937.021 Relevant factors for determining rates
0.6K chars
In determining rates for motor vehicle insurance, an insurer shall not consider the fact that an applicant does not have motor vehicle insurance covering the applicant's motor vehicle at the time of his application for such insurance, unless the insurer has an actuarial justifica…

Ohio Rev. Code Ann. § 3937.03 Classifications - rules - rates - rating plan

7.7K chars

(A)(1) Every insurer shall file with the superintendent of insurance every form of a policy, endorsement, rider, manual of classifications, rules, and rates, every rating plan, and every modification of any of them which it proposes to use. Every such filing shall state any propo…

Ohio Rev. Code Ann. § 3937.04 Hearing on rates and filings

2.5K chars

(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 does not comply with such sections, he may, after a hearing held upon not less than twenty days' written notice as provided in division (C) of this …

Ohio Rev. Code Ann. § 3937.05 Application for license as rating organization

5.0K chars

(A) A corporation, an unincorporated association, a partnership, or an individual, whether located within or outside this state, may make application to the superintendent of insurance for license as a rating organization for such kinds of insurance or subdivisions thereof as are…

Ohio Rev. Code Ann. § 3937.06 Deviation from filings

1.4K chars

Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization except that any such insurer may file with the superintendent of insurance a uniform percentage decrease or increase to be applied to the premiums produced by t…

Ohio Rev. Code Ann. § 3937.07 Advisory organizations

1.6K chars

Any member of or subscriber to a rating organization may appeal to the superintendent of insurance from the action or decision of such rating organization in approving or rejecting any proposed change in or addition to the filings of such rating organization and the superintenden…

Ohio Rev. Code Ann. § 3937.08 Rate information furnished insurer upon request - right of review and appeal

1.3K chars

Every rating organization, and every insurer which makes its own rates, shall within a reasonable time after receiving written request therefor, and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it, or to the authorized r…

Ohio Rev. Code Ann. § 3937.09 Advisory organization - functions - requirements - order of superintendent

2.0K chars

(A) Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating organizations in rate making, by the collection and furnishing of loss or expense statistics, or by the sub…

Ohio Rev. Code Ann. § 3937.10 Regulations for joint underwriting and joint reinsurance

0.9K chars

(A) Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance is subject to regulation with respect thereto as provided in this section, subject, with respect to joint underwriting, to sections 3937.01 to 3937.17, inclusi…

Ohio Rev. Code Ann. § 3937.11 Examination of rating organization

1.2K chars

The superintendent of insurance shall, at least once in five years, make an examination of each rating organization licensed in this state as provided in section 3937.05 of the Revised Code. Such superintendent may, as often as he deems it expedient, make an examination of each a…

Ohio Rev. Code Ann. § 3937.12 Report of loss experience - interchange of rating plan data

1.4K chars

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 insurer of its loss experience, in order that such experience of all insurers may be made available, at least annually, …

Ohio Rev. Code Ann. § 3937.13 Agreement for apportionment of insurance

0.5K chars

Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to, but who are unable to procure, such insurance through ordinary methods. Insurers may agree among themselve…

Ohio Rev. Code Ann. § 3937.14 Withholding information or making false statements

0.5K chars

No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the superintendent of insurance, any statistical agency designated by the superintendent, any rating organization, or any insurer, which will affect the rate…

Ohio Rev. Code Ann. § 3937.15 Insurer may request hearing - review of an order or decision of superintendent

1.2K chars

Any insurer or rating organization aggrieved by any order or decision of the superintendent of insurance made without a hearing, may, within thirty days after notice of the order to the insurer or organization, make written request to the superintendent for a hearing thereon. The…

Ohio Rev. Code Ann. § 3937.16 License may be suspended

1.1K chars

The superintendent of insurance may suspend the license of any rating organization or insurer which fails to comply with an order of the superintendent within the time limited by such order, or any extension thereof which the superintendent may grant.The superintendent shall not …

Ohio Rev. Code Ann. § 3937.17 Interpretation

0.5K chars

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, or unfairly discriminatory, and co-operative action among insurers in rate making and in other matters within the scope o…

Ohio Rev. Code Ann. § 3937.18 Uninsured and underinsured motorist coverage

12.2K chars

(A) Any policy of insurance delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state that insures against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising…

Ohio Rev. Code Ann. § 3937.181 Property damage coverage

2.2K chars

(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, or both uninsured and underinsured motorist coverages shall be delivered or issued for delivery unless coverage i…

Ohio Rev. Code Ann. § 3937.182 Punitive or exemplary damages

1.0K chars

(A) As used in this section, "policy" includes an endorsement.(B) No policy of automobile or motor vehicle insurance that is covered by sections 3937.01 to 3937.17 of the Revised Code, including, but not limited to, the uninsured motorist coverage, underinsured motorist coverage,…

Ohio Rev. Code Ann. § 3937.19 Summary of material coverages and exclusions for personal lines policy

4.7K chars

(A) As used in this section: (1) "Personal lines policy of insurance" means a policy of property and casualty insurance issued to a natural person primarily for personal or family protection for personal automobile, homeowner's, tenant's, mobile-homeowner's, non-commercial dwelli…

Ohio Rev. Code Ann. § 3937.21 Insurance company - obligation to defend

0.8K chars

No insurance company issuing a policy of automobile or motor vehicle liability insurance shall be relieved of its contractual obligation to defend its insured against any claim on the basis of coverage for such claim being provided by any other policy, unless the insurer of such …

Ohio Rev. Code Ann. § 3937.22 Prohibiting increase in cost when insured not at fault

0.5K chars

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 during the policy period when both of the following apply:(A) The insured's action is not a proximate cause of any loss, dam…

Ohio Rev. Code Ann. § 3937.23 Prohibiting increase in cost when insured not at fault involved in accident with uninsured motorist

0.5K chars

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 an uninsured or underinsured motorist, when both of the following apply:(A) The insured's action is not a proximate cause of a…

Ohio Rev. Code Ann. § 3937.25 Grounds for cancellation

4.5K chars

(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 insured for loss, damage, or expense arising from a medical, optometric, or chiropractic claim, as those claims are defined …

Ohio Rev. Code Ann. § 3937.26 Notice of nonrenewal of policy - contents

1.4K chars

(A) An insurer may refuse to renew a policy of commercial property insurance, commercial fire insurance, or commercial casualty insurance other than fidelity or surety bonds, medical malpractice insurance, and automobile insurance as defined in section 3937.30 of the Revised Code…

Ohio Rev. Code Ann. § 3937.27 Renewal conditioned upon substantial increase in premium - notice

1.3K chars

(A) An insurer who intends to condition renewal of a policy of commercial property insurance, commercial fire insurance, or commercial casualty insurance other than fidelity and surety bonds, medical malpractice insurance, and automobile insurance as defined in section 3937.30 of…

Ohio Rev. Code Ann. § 3937.28 Contents of cancellation notice

3.3K chars

(A) A notice of cancellation of a policy of medical malpractice insurance shall not be issued by any licensed insurer unless it is based on one of the following grounds:(1) Nonpayment of premium;(2) Discovery of fraud or material misrepresentation in the procurement of the insura…

Ohio Rev. Code Ann. § 3937.29 Notice of intent to terminate all policies

4.4K chars

(A) An insurer that intends to cancel, terminate, or otherwise not renew all policies of medical malpractice insurance that it has issued to any class, type, or specialty of practitioner, or that intends to cancel, terminate, or otherwise not renew all policies of medical malprac…

Ohio Rev. Code Ann. § 3937.30 Automobile insurance policy defined

1.7K chars

(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 state or covering a motor vehicle required to be registered in this state which: (1) Provides automobile bodily injury or property d…

Ohio Rev. Code Ann. § 3937.31 Policy period or guaranteed renewable successive policy periods

3.5K chars

(A) Every automobile insurance policy shall be issued for a period of not less than one year or guaranteed renewable for successive policy periods totaling not less than one year. Where renewal is mandatory, "cancellation," as used in sections 3937.30 to 3937.39 of the Revised Co…

Ohio Rev. Code Ann. § 3937.32 Notice of cancellation

1.3K chars

(A) No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation. Such notice shall contain:(1) The policy number;(2) The date of the notice;(3) The effective date of cancellation of the policy, which shall…

Ohio Rev. Code Ann. § 3937.33 Cancellation procedure

1.3K chars

An insurer may cancel an automobile insurance policy at such time prior to its expiration for such reasons as may be permitted by section 3937.31 of the Revised Code, by mailing to the insured, at the insured's last known address appearing on the insurer's records, a notice of ca…

Ohio Rev. Code Ann. § 3937.34 Notice of nonrenewal of policy - contents

0.9K chars

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 insurer's records, and at least thirty days prior to the date of expiration of the policy, a notice of the insurer's intention not to rene…

Ohio Rev. Code Ann. § 3937.35 Cancellation review by superintendent of insurance

1.2K chars

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 of cancellation of an automobile insurance policy, the insured may apply in writing to the superintendent of insurance for review of such cancell…

Ohio Rev. Code Ann. § 3937.36 Immunity

0.7K chars

There is no liability on the part of, and no cause of action of any nature shall arise against, the superintendent of insurance, any insurer, or any person furnishing information requested by the superintendent, an insurer, the agent, employee, attorney, or other authorized repre…

Ohio Rev. Code Ann. § 3937.37 Prohibiting requirement of disclosure

0.3K chars

No insurer on its application for an automobile insurance policy shall require the applicant to disclose any refusal or cancellation of automobile insurance other than a cancellation in accord with section 3937.31 of the Revised Code, and according to the procedure required in se…

Ohio Rev. Code Ann. § 3937.38 Prohibiting failure to renew because of age

0.1K chars

No insurer shall fail to renew an automobile insurance policy solely because of the age attained by the insured.

Ohio Rev. Code Ann. § 3937.39 Prohibiting discrimination

0.2K chars

No insurer shall cancel, or refuse to write or renew, any automobile insurance policy solely on the basis of national origin, creed, or race of the insured or applicant.

Ohio Rev. Code Ann. § 3937.41 Prohibiting consideration of work-related accidents

6.4K chars

(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 ambulance companies under contract to a municipal corporation, township, or county. (2) "Emergency vehicle" means any of the following: (a) Any ve…

Ohio Rev. Code Ann. § 3937.411 Tickets for civil violations

0.5K chars

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 policyholder, or an admission or finding of liability related to such a ticket, as a basis for doing either of the following:(A) Refusing to issu…

Ohio Rev. Code Ann. § 3937.42 Cooperation in investigating fraudulent claims

4.3K chars

(A) The chief or head law enforcement officer of any federal, state, or local law enforcement agency or a prosecuting attorney of any county may request any insurance company, or agent authorized by the company to act on its behalf, that has investigated or is investigating a cla…

Ohio Rev. Code Ann. § 3937.43 Reduction in premium charges for insureds over 60 completing motor vehicle accident prevention course

3.6K chars

(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 violation" means any violation of any statute or ordinance that regulates the operation of vehicles, streetcars, or trackless trolleys on hig…

Ohio Rev. Code Ann. § 3937.44 All claims resulting from one person's bodily injury subject to limit of policy applicable to bodily injury

0.9K chars

Any liability policy of insurance including, but not limited to, automobile liability or motor vehicle liability insurance that provides a limit of coverage for payment for damages for bodily injury, including death, sustained by any one person in any one accident, may, notwithst…

Ohio Rev. Code Ann. § 3937.45 Prohibiting consideration of vehicle weight violations

1.8K chars

(A) No insurer shall consider the circumstance that an applicant or policyholder has been convicted of any violation of the weight provisions of Chapter 5577. of the Revised Code, or a substantially similar municipal ordinance relating to vehicle weight as a basis for doing eithe…

Ohio Rev. Code Ann. § 3937.46 Applicability of intrafamily liability exclusion against owner or operator of motor vehicle in action for wrongful death

1.1K chars

(A) An intrafamily liability exclusion shall not apply or be enforced by an insurer against the owner or operator of a motor vehicle in a claim or in a suit for damages made against the owner or operator under Chapter 2125. of the Revised Code. (B) The prohibition included in div…

Ohio Rev. Code Ann. § 3937.47 Cancellation of personal lines insurance

0.7K chars

(A) As used in this section, "personal lines insurance" means any policy of insurance issued to a natural person for personal or family protection, including basic property, dwelling fire, homeowner's, tenant's, inland marine, personal liability, and personal umbrella liability c…

Ohio Rev. Code Ann. § 3937.99 Penalty

0.3K chars

(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 division (I) of section 3937.42 of the Revised Code is guilty of a misdemeanor of the fourth degree.