reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3937.34 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.34 | Notice of Nonrenewal of Policy - Contents.

Effective: March 22, 2013|Latest Legislation:  House Bill 278 - 129th General Assembly|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 renew the policy. Such notice shall contain: (A) The policy number;(B) The date of the notice;(C) The effective date of expiration;(D) An explanation of the reason for nonrenewal and the information upon which it is based, or a statement that such explanation will be furnished to the insured in writing within five days after receipt of the insured's written request therefor to the insurer.Upon compliance by the insurer with all requirements of this section, such automobile insurance policy expires on the expiration date stated in the policy and notice of intention not to renew.
Ohio Rev Code § 3937.35 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.35 | Cancellation Review by Superintendent of Insurance.

Effective: March 22, 2013|Latest Legislation:  House Bill 278 - 129th General Assembly|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 cancellation. If the superintendent finds that there is cause to believe that such cancellation is based on erroneous information, or is contrary to law or the terms of the policy, the superintendent shall determine whether such cancellation is effective and shall give written notice of such finding to the insured and the insurer. If the superintendent finds that such cancellation is in accordance with law and the terms of the policy, the superintendent shall issue a written finding approving such cancellation in such case.If, upon review, the superintendent finds that such cancellation is contrary to law or the terms of the policy, the superintendent shall issue a written finding disapproving the cancellation and stating in what particulars the same is improper. In such case, the policy continues in force as provided in section 3937.33 of the Revised Code if the insured tenders to the insurer within ten days any premium refund made by the insurer.
Ohio Rev Code § 3937.36 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.36 | Immunity.

Effective: January 1, 1970|Latest Legislation:  Senate Bill 334 - 108th General Assembly|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 representative of any such persons, for any oral or written statement made to supply information relevant to a determination on cancellation or nonrenewal of any automobile insurance policy, or in connection with advising an insured or his attorney of the reasons for refusal to write any such insurance, for a cancellation or nonrenewal, or in connection with any administrative or judicial proceeding arising out of or related to such cancellation or nonrenewal.
Ohio Rev Code § 3937.37 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.37 | Prohibiting Requirement of Disclosure.

Effective: January 1, 1970|Latest Legislation:  Senate Bill 334 - 108th General Assembly|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 sections 3937.32 and 3937.33 of the Revised Code.
Ohio Rev Code § 3937.38 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.38 | Prohibiting Failure to Renew Because of Age.

Effective: January 1, 1970|Latest Legislation:  Senate Bill 334 - 108th General Assembly|No insurer shall fail to renew an automobile insurance policy solely because of the age attained by the insured.
Ohio Rev Code § 3937.39 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.39 | Prohibiting Discrimination.

Effective: January 1, 1970|Latest Legislation:  Senate Bill 334 - 108th General Assembly|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 § 3937.411 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.411 | Tickets for Civil Violations.

Effective: March 23, 2015|Latest Legislation:  Senate Bill 342 - 130th General Assembly|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 issue or deliver a policy of insurance upon a private automobile or increasing the rate to be charged for such a policy;(B) Increasing the premium rate, canceling, or failing to renew an existing policy of insurance upon a private automobile.
Ohio Rev Code § 3937.44 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.44 | All Claims Resulting From One Person's Bodily Injury Subject to Limit of Policy Applicable to Bodily Injury.

Effective: October 20, 1994|Latest Legislation:  Senate Bill 20 - 120th General Assembly|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, notwithstanding Chapter 2125. of the Revised Code, include terms and conditions to the effect that all claims resulting from or arising out of any one person's bodily injury, including death, shall collectively be subject to the limit of the policy applicable to bodily injury, including death, sustained by one person, and, for the purpose of such policy limit shall constitute a single claim. Any such policy limit shall be enforceable regardless of the number of insureds, claims made, vehicles or premiums shown in the declarations or policy, or vehicles involved in the accident.
Ohio Rev Code § 3937.45 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.45 | Prohibiting Consideration of Vehicle Weight Violations.

Effective: September 16, 2004|Latest Legislation:  House Bill 230 - 125th General Assembly|(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 either of the following:(1) Refusing to issue or deliver a policy of insurance upon a private automobile, or increasing the rate to be charged for such a policy;(2) Increasing the premium rate, canceling, or failing to renew an existing policy of insurance upon a private automobile.(B) Any applicant or policyholder affected by an action of an insurer in violation of division (A) of this section may appeal to the superintendent of insurance. After a hearing held upon not less than ten days' notice to the applicant or policyholder and to the insurer and after determining that the insurer has violated this section, the superintendent may direct the issuance of a policy, decrease the premium rate on a policy, or reinstate insurance coverage.(C) The registrar shall not include the conviction for a violation of the weight provisions of Chapter 5577. of the Revised Code, or a substantially similar municipal ordinance relating to vehicle weight as part of the driver's or operator's permanent record and shall not include the conviction in a certified abstract of information under division (A) of section 4509.05 of the Revised Code.(D) Division (A) of this section does not apply to an insurer whose policy covers the vehicle, trackless trolley, load, object, or structure operated or moved upon improved public highways, streets, bridges, or culverts in violation of the weight provisions of Chapter 5577. of the Revised Code, or a substantially similar municipal ordinance relating to vehicle weight.
Ohio Rev Code § 3937.46 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.46 | Applicability of Intrafamily Liability Exclusion Against Owner or Operator of Motor Vehicle in Action for Wrongful Death.

Effective: March 22, 2013|Latest Legislation:  House Bill 278 - 129th General Assembly|(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 section does not apply if both of the following conditions are met:(1) The policy providing the liability coverage in question includes uninsured-underinsured motorist coverage pursuant to section 3937.18 of the Revised Code;(2) Such an intrafamily claim is not precluded by an intrafamily exclusion in the uninsured-underinsured motorist coverage in question.(C) As used in this section:(1) "Intrafamily liability exclusion" means any provision included in an automobile insurance policy that excludes liability insurance coverage for the owner or operator of a motor vehicle against a claim for injury or death suffered by a family member of that owner or operator.(2) "Automobile insurance policy" has the same meaning as in section 3937.30 of the Revised Code.
Ohio Rev Code § 3937.47 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.47 | Cancellation of Personal Lines Insurance.

Effective: March 20, 2019|Latest Legislation:  Senate Bill 273 - 132nd General Assembly|(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 coverage. (B) When the reason for cancellation of a personal lines insurance policy is nonpayment of premium, the effective date of cancellation shall be not less than ten days from the date the notice was mailed. (C) An insurer may include a notice of cancellation of a personal lines insurance policy for nonpayment of premium with a billing statement. Subject to division (B) of this section, such a cancellation is effective on or after the due date of the bill.
Ohio Rev Code § 3937.99 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.99 | Penalty.

Effective: September 26, 1984|Latest Legislation:  Senate Bill 2 - 115th General Assembly|(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.
Ohio Rev Code § 3938.01 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.01 | Definitions.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|(A) This chapter may be cited as the "Certificates of Insurance Act." (B) As used in this chapter: (1) "Certificate of insurance" means a document or instrument, regardless of how titled or described, that is prepared or issued by an insurer or insurance agent licensed under Chapter 3905. of the Revised Code to verify the existence of property or casualty insurance coverage. "Certificate of insurance" includes a document issued to a person as verification of the existence of coverage under a master policy. "Certificate of insurance" does not include a policy of insurance, insurance binder, policy endorsement, or automobile identification card, or any document used to provide proof of financial responsibility for purposes of Chapter 4509. of the Revised Code. (2) "Certificate holder" means any person, other than a policyholder, that requests, obtains, or possesses a certificate of insurance. (3) "Person" has the same meaning as in section 1.59 of the Revised Code and includes a limited liability company, the state, and all political subdivisions, authorities, agencies, boards, and commissions of the state.
Ohio Rev Code § 3938.02 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.02 | Nature of Certificate.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|A certificate of insurance is not a policy of insurance and does not affirmatively or negatively amend, extend, or alter the coverage afforded by the policy to which the certificate of insurance refers. A certificate of insurance shall not confer to any person new or additional rights beyond what the referenced policy of insurance expressly provides.
Ohio Rev Code § 3938.03 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.03 | Language Prohibited.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|(A) A certificate of insurance shall not include language that does either of the following: (1) Is unfair, misleading, or deceptive or that violates public policy; (2) Violates any law or any rule adopted by the superintendent of insurance. (B) A certificate of insurance shall not guarantee that the policy of insurance referenced in the certificate complies with the requirements for a policy of property or casualty insurance under Title XXXIX of the Revised Code. The inclusion of a contract number or policy description in a certificate of insurance is not proof of such a guarantee.
Ohio Rev Code § 3938.04 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.04 | False Information; Alteration of Policy.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|No person shall do either of the following: (A) Prepare, issue, request, or require a certificate of insurance that contains any false or misleading information concerning the policy of insurance referenced in the certificate of insurance; (B) Prepare, issue, request, or require a certificate of insurance that affirmatively or negatively alters, amends, or extends the coverage provided by the policy of insurance referenced in the certificate of insurance.
Ohio Rev Code § 3938.05 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.05 | Right to Notice of Cancellation or Nonrenewal of Insurance Policy.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|A certificate holder shall be entitled to notice of cancellation or nonrenewal or any similar notice concerning a policy of insurance only if the certificate holder is named within the policy or any endorsement to the policy and the policy or endorsement requires notice to be provided to the certificate holder. The terms and conditions of the notice, including the required timing of the notice, are governed by the policy of insurance and cannot be altered by a certificate of insurance.
Ohio Rev Code § 3938.06 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.06 | Applicability of Chapter.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|The provisions of this chapter shall apply to all certificates of insurance issued in connection with property and casualty risks located in this state, regardless of where the policyholder, insurer, insurance agent, or person requesting the certificate of insurance is located.
Ohio Rev Code § 3938.07 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.07 | Issuance in Violation of Chapter.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|A certificate of insurance that is issued in violation of this chapter shall be void.
Ohio Rev Code § 3938.08 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.08 | Violation; Penalty.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|(A) No person shall fail to comply with sections 3938.01 to 3938.07 of the Revised Code. If the superintendent of insurance determines that any person has violated sections 3938.01 to 3938.07 of the Revised Code, the superintendent may take one or more of the following actions: (1) Issue an order requiring the person to cease and desist from the actions constituting the violation; (2) Assess a civil penalty not to exceed one thousand dollars per violation. (B) The superintendent may investigate the activities of any person the superintendent reasonably believes has engaged in or is engaging in an act or practice prohibited by this chapter.  (C) Before imposing a penalty under division (A) of this section, the superintendent shall give the person notice and opportunity for a hearing as described in Chapter 119. of the Revised Code. (D) The superintendent shall deposit any penalties assessed under division (A) of this section into the state treasury to the credit of the department of insurance operating fund created in section 3901.021 of the Revised Code.
Ohio Rev Code § 3938.09 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3938 | Certificates of Insurance Act|Section 3938.09 | Rules.

Effective: March 23, 2016|Latest Legislation:  House Bill 259 - 131st General Assembly|The superintendent of insurance may adopt rules in accordance with Chapter 119. of the Revised Code as necessary to implement this chapter.
Ohio Rev Code § 3939.02 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3939 | Mutual Protective Insurance Upon Property|Section 3939.02 | Contents of Certificate of Incorporation.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Persons forming an association under section 3939.01 of the Revised Code shall make and subscribe a certificate setting forth therein:(A) The name by which the association is to be known;(B) The place which is regarded as its center or business office;(C) The object of the association, which shall only be one or more of the objects set forth in section 3939.01 of the Revised Code, and the enforcement of any contract entered into by such persons in which the parties agree to be assessed specifically for incidental purposes and for the payment of losses which occur to its members;(D) The kinds of property proposed to be insured and the casualties specified in section 3939.01 of the Revised Code which are proposed to be insured against.Such certificate may be amended to change the name of the association, the place which is regarded as its center or business office, or its objects, at any meeting of members, thirty days' notice of which, and of the business to come before it, has been given by a majority of the directors in a newspaper published and of general circulation in the county where the company's center or business office is located. Such amendment, if adopted by at least three fifths vote of the members present and voting at the meeting so called, and if not inconsistent with the constitution and laws of this state and of the United States, shall be approved by the attorney general and the secretary of state, and such amendment and the certificate of approval by the attorney general shall be filed in the office of the secretary of state and shall thereupon be in effect. After recording such amendment the secretary of state shall deposit a copy thereof with the superintendent of insurance.In event of a change of name of the association or a change of the place of the center or business office, the superintendent, immediately upon the approval by him of such change, shall certify the fact of such change to the secretary of state, who shall make note thereof on the files of his office relating to such association.
Ohio Rev Code § 3939.03 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3939 | Mutual Protective Insurance Upon Property|Section 3939.03 | Filing of Certificate.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|The certificate required by section 3939.02 of the Revised Code shall be filed in the office of the secretary of state. A copy thereof, certified by him, shall be evidence of the existence and incorporation of the association for the purposes therein named.
Ohio Rev Code § 3939.04 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3939 | Mutual Protective Insurance Upon Property|Section 3939.04 | Directors and Officers.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|When the certificate required by section 3939.02 of the Revised Code has been filed with the secretary of state, and a certified copy forwarded to the association, the persons named therein shall elect their directors, president, secretary, treasurer, and other officers necessary for the complete performance of all the business and objects of the association, to serve for one year. Such officers thereafter shall be chosen in the manner and at the time fixed in the constitution, but directors shall not be chosen for a longer period than three years.
Ohio Rev Code § 3939.05 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3939 | Mutual Protective Insurance Upon Property|Section 3939.05 | Powers of Association.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|An association organized under section 3939.01 of the Revised Code shall be considered as a body corporate for all the purposes set forth in the certificate required by section 3939.02 of the Revised Code, and may sue and be sued, and plead and be impleaded, in all courts of law and equity, but in no instance shall the power to insure against losses by fire or tornadoes be exercised to other than members of such association.
Ohio Rev Code § 3939.06 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3939 | Mutual Protective Insurance Upon Property|Section 3939.06 | Constitution and Bylaws.

Effective: October 12, 2006|Latest Legislation:  House Bill 442 - 126th General Assembly|Every association organized under section 3939.01 of the Revised Code shall adopt a constitution, whether designated a constitution, constitution and bylaws, regulations, or code of regulations, that in the judgment of its members best serves its interests and purposes. The constitution may include provisions set forth in section 1702.11 of the Revised Code.