State statute · Ohio

Casualty Insurance; Motor Vehicle Insurance

Ohio Revised Code Chapter 3937, complete chapter, all 50 sections 3937.01 through 3937.99

Publisher: Ohio Legislative Service Commission
Edition: Ohio Revised Code as published by the Ohio Legislative Service Commission
Last checked: 2026-09-17
Status: US state law

Edition and licensing notes

Publisher. Ohio Legislative Service Commission (codes.ohio.gov)

Edition. Ohio Revised Code as published by the Ohio Legislative Service Commission; the site's own currency statement reads: "The Legislative Service Commission staff updates the Revised Code on an ongoing basis, as it completes its act review of enacted legislation. Updates may be slower during some times of the year, depending on the volume of enacted legislation."

Status. US state law; public domain.

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What this document is

Ohio Revised Code Chapter 3937 - Casualty Insurance; Motor Vehicle Insurance (complete chapter, all 50 sections 3937.01 through 3937.99) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). It is one of the Ohio documents that insurance license exam questions are written from, including ohio property & casualty, ohio personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

Ohio Rev. Code § 3937.18(B)(1)(c) (Uninsured and underinsured motorist coverage)
“(c) The identity of the owner or operator cannot be determined, but independent corroborative evidence exists to prove that the bodily injury, sickness, disease, or death of the insured was proximately caused by the negligence or intentional actions of the unidentified operator of the motor...”
Ohio Rev. Code § 3937.46 (Applicability of intrafamily liability exclusion)
“(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 division (A) of this...”
Ohio Rev. Code § 3937.25(B)(5), (6) (Grounds for cancellation of commercial policies)
“(5) Loss of applicable reinsurance or a substantial decrease in applicable reinsurance, if the superintendent has determined that reasonable efforts have been made to prevent the loss of, or substantial decrease in, the applicable reinsurance, or to obtain replacement coverage; (6) Failure of an...”
Ohio Rev. Code § 3937.182(B) (Punitive or exemplary damages)
“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, or both uninsured and underinsured motorist coverages included in such a policy as...”
Ohio Rev. Code § 3937.31(A) (Policy period or guaranteed renewable successive policy periods; grounds for cancellation)
“No insurer may cancel any automobile insurance policy except pursuant to the terms of the policy, and in accordance with sections 3937.30 to 3937.39 of the Revised Code, and for one or more of the following reasons: (1) Fraud, concealment, or misrepresentation by the insured to the insurer of any...”
Ohio Rev. Code § 3937.41(B) (Prohibiting consideration of work-related accidents)
“No insurer shall consider the circumstance that an applicant or policyholder has been involved in a motor vehicle accident while in the pursuit of the applicant's or policyholder's official duties as a law enforcement officer, firefighter, investigator, or operator of an emergency vehicle or...”
Ohio Rev. Code § 3937.32(A) (Notice of cancellation)
“(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 not be earlier...”
Ohio Rev. Code § 3937.18(H) (Time for uninsured or underinsured motorist claim or suit)
“(H) Any policy of insurance that includes uninsured motorist coverage, underinsured motorist coverage, or both uninsured and underinsured motorist coverages may include terms and conditions requiring that, so long as the insured has not prejudiced the insurer's subrogation rights, each claim or...”
Ohio Rev. Code § 3937.18(C) (Underinsured motorist coverage; not excess coverage; limits reduced)
“(C) If underinsured motorist coverage is included in a policy of insurance, the underinsured motorist coverage shall provide protection for insureds thereunder for bodily injury, sickness, or disease, including death, suffered by any insured under the policy, where the limits of coverage available...”
Ohio Rev. Code § 3937.18(E) (No exclusion or reduction for workers' compensation benefits)
“(E) The uninsured motorist coverage, underinsured motorist coverage, or both uninsured and underinsured motorist coverages included in a policy of insurance shall not be subject to an exclusion or reduction in amount because of any workers' compensation benefits payable as a result of the same injury or death.”
Ohio Rev. Code § 3937.33 (Cancellation procedure; failure to comply)
“Upon compliance by the insurer with all requirements of this section, such automobile insurance policy is cancelled on the effective date stated in the notice of cancellation, except as otherwise provided in section 3937.35 of the Revised Code. In the event of the insurer's failure to comply with...”
Ohio Rev. Code § 3937.22 (No 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 during the policy period when both of the following apply: (A) The insured's action is not a proximate cause of any loss, damage, injury, or...”

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Questions about this source

Ohio Revised Code Chapter 3937 - Casualty Insurance; Motor Vehicle Insurance (complete chapter, all 50 sections 3937.01 through 3937.99) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). Edition: Ohio Revised Code as published by the Ohio Legislative Service Commission; the site's own currency statement reads: "The Legislative Service Commission staff updates the Revised Code on an ongoing basis, as it completes its act review of enacted legislation. Updates may be slower during some times of the year, depending on the volume of enacted legislation.".

No. This page summarizes the document and links to the official version. Always rely on the text published by Ohio Legislative Service Commission (codes.ohio.gov) for the current law.

Practice questions for Ohio Property & Casualty, Ohio Personal Lines cite this document.

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