reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3937.10 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.10 | Regulations for Joint Underwriting and Joint Reinsurance.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|(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, inclusive, of the Revised Code, and, with respect to joint reinsurance, to sections 3937.11 and 3937.15 to 3937.17, inclusive, of the Revised Code. (B) If, after a hearing, the superintendent of insurance finds that any activity or practice of any such group, association, or other organization is unfair, unreasonable, or otherwise inconsistent with sections 3937.01 to 3937.17, inclusive, of the Revised Code, he may issue a written order specifying in what respects such activity or practice is unfair, unreasonable, or otherwise inconsistent with such sections and requiring the discontinuance of such activity or practice.
Ohio Rev Code § 3937.11 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.11 | Examination of Rating Organization.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 advisory organization referred to in section 3937.09 of the Revised Code and of each group, association, or other organization referred to in section 3937.10 of the Revised Code. The reasonable costs of any such examination shall be paid by the rating organization, advisory organization, group, association, or other organization examined upon presentation to it of a detailed account of such costs. The officers, manager, agents, and employees of such rating organization, advisory organization, group, association, or other organization may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. In lieu of any such examination the superintendent may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of such state.
Ohio Rev Code § 3937.12 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.12 | Report of Loss Experience - Interchange of Rating Plan Data.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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, to aid him in determining whether rating systems comply with the standards set forth in division (D) of section 3937.02 of the Revised Code. No insurer shall be required to record or report its loss experience in a manner that differs from that which is regularly employed and maintained in the usual course of such insurer's business. The superintendent may designate one or more rating organizations or other agencies to assist him in gathering such experience and making compilations thereof, and such compilations shall be made available, subject to reasonable rules promulgated by the superintendent, to insurers and rating organizations.In accordance with sections 119.01 to 119.13, inclusive, of the Revised Code, reasonable rules and plans may be promulgated by the superintendent for the interchange of data necessary for the application of rating plans.The superintendent and every insurer and rating organization may exchange information and experience data with insurance supervisory officials, insurers, and rating organizations in other states and may consult with them with respect to rate making and the application of rating systems.
Ohio Rev Code § 3937.13 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.13 | Agreement for Apportionment of Insurance.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 themselves on the use of reasonable rate modifications for such insurance, such agreements and rate modifications to be subject to the approval of the superintendent of insurance.
Ohio Rev Code § 3937.14 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.14 | Withholding Information or Making False Statements.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 rates or premiums chargeable under sections 3937.01 to 3937.17, inclusive, of the Revised Code. Whoever violates this section shall have its license suspended under the procedure set forth in section 3937.16 of the Revised Code.
Ohio Rev Code § 3937.15 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.15 | Insurer May Request Hearing - Review of an Order or Decision of Superintendent.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 superintendent shall hear such party within twenty days after receipt of such request and shall not give less than ten days' written notice of the time and place of the hearing. Within fifteen days after such hearing the superintendent shall affirm, reverse, or modify his previous action, and specify his reasons therefor. Pending such hearing and decision the superintendent may suspend or postpone the effective date of his previous action.Sections 3937.01 to 3937.17, inclusive, of the Revised Code do not require the observance at any hearing of formal rules of pleading or evidence.Any order or decision of the superintendent, under such sections, is subject to review by the courts of this state and proceedings on review shall be de novo. No order or decision of the superintendent which is submitted for judicial review may become effective until after final action or decision by the court.
Ohio Rev Code § 3937.16 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.16 | License May Be Suspended.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal therefrom has expired or if an appeal has been taken, until such order has been affirmed. The superintendent may determine when a suspension of license becomes effective and it shall remain in effect for the period fixed by him, unless he modifies or rescinds such suspension, or until the order upon which such suspension is based is modified, rescinded, or reversed.No penalty shall be imposed and no license shall be suspended or revoked except upon a written order of the superintendent, stating his findings, made after a hearing held upon not less than ten days' written notice to such person or organization specifying the alleged violation.
Ohio Rev Code § 3937.17 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.17 | Interpretation.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 of such sections shall be authorized and regulated. Such sections do no prohibit or discourage reasonable competition, or prohibit or encourage uniformity in insurance rates, rating systems, or rating plans or practices.
Ohio Rev Code § 3937.181 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.181 | Property Damage Coverage.

Effective: October 31, 2001|Latest Legislation:  Senate Bill 97 - 124th General Assembly|(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 is also made available for damage to, or the destruction of, any motor vehicle specifically identified in the policy, for the protection of those persons insured under the policy who are legally entitled to recover for the damage to or destruction of any motor vehicle specifically identified in the policy from the owner or operator of an uninsured motor vehicle.(B) The coverage made available under this section need not exceed the lesser of seventy-five hundred dollars or the amount otherwise available from the policy for damages to, or the destruction of, the motor vehicle. The coverage shall be subject to a maximum two-hundred-fifty-dollar deductible. The losses recoverable under this section shall be limited to recovery for that destruction of or damage to the motor vehicle specifically identified in the policy directly caused by an uninsured motor vehicle whose owner or operator has been identified.(C) If an insured has a policy containing collision coverage covering damages caused by an uninsured motor vehicle, the insured's insurer need not make coverage available under this section.(D) An insurer making payments to an insured under the coverage offered under division (A) of this section shall be entitled, to the extent of those payments and subject to the terms and conditions of the coverage, to the proceeds of any settlement or judgment resulting from the exercise of any rights of recovery by the insured against the person or organization legally responsible for the injury or destruction of the property, including any amounts recoverable from an insurer that is or becomes the subject of insolvency proceedings, through such proceedings or in any other lawful manner. No insurer shall attempt to recover any amount from the insured of an insurer that is or becomes the subject of insolvency proceedings, to the extent of those rights against the insurer that the insured assigns to the paying insurer.
Ohio Rev Code § 3937.182 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.182 | Punitive or Exemplary Damages.

Effective: October 31, 2001|Latest Legislation:  Senate Bill 97 - 124th General Assembly|(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, or both uninsured and underinsured motorist coverages included in such a policy as authorized by section 3937.18 of the Revised Code, and that is issued by an insurance company licensed to do business in this state, and no other policy of casualty or liability insurance that is covered by sections 3937.01 to 3937.17 of the Revised Code and that is so issued, shall provide coverage for judgments or claims against an insured for punitive or exemplary damages.(C) This section applies only to policies of automobile, motor vehicle, or other casualty or liability insurance as described in division (B) of this section that are issued or renewed on or after the effective date of this section.
Ohio Rev Code § 3937.21 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.21 | Insurance Company - Obligation to Defend.

Effective: September 7, 1970|Latest Legislation:  House Bill 570 - 108th General Assembly|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 other policy has assumed and is performing the obligation to provide such defense. If the company pays to or on behalf of the insured any amount later determined to be due from another insurer it shall be subrogated to all rights of the insured against such insurer.Any disputes between insurers regarding the obligation to defend shall be settled without expense to the insured by agreement between the insurers involved or, if they fail to agree, by arbitration or a declaratory judgment proceeding.
Ohio Rev Code § 3937.22 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.22 | Prohibiting Increase in Cost When Insured Not at Fault.

Effective: October 20, 1994|Latest Legislation:  Senate Bill 20 - 120th General Assembly|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 death arising out of the accident;(B) The insured has not been convicted of, pleaded guilty to, or pleaded no contest to, a violation of law as a result of the accident.
Ohio Rev Code § 3937.23 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.23 | Prohibiting Increase in Cost When Insured Not at Fault Involved in Accident With Uninsured Motorist.

Effective: October 20, 1994|Latest Legislation:  Senate Bill 20 - 120th General Assembly|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 any loss, damage, injury, or death arising out of the accident;(B) The insured has not been convicted of, pleaded guilty to, or pleaded no contest to, a violation of law as a result of the accident.
Ohio Rev Code § 3937.26 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.26 | Notice of Nonrenewal of Policy - Contents.

Effective: September 13, 2004|Latest Legislation:  Senate Bill 187 - 125th General Assembly|(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, by mailing to the insured, at the insured's last known address, at least thirty days prior to the date of the expiration date of the policy, a notice of the insurer's intention not to renew the policy.Such notice shall contain all of the following:(1) The policy number;(2) The date of the notice;(3) The expiration date of the policy.Such notice of nonrenewal also shall be mailed to the insured's agent.(B) If the notice of nonrenewal is mailed less than thirty days before the expiration date of the policy, the insured's coverage then in effect remains in effect until thirty days after the date of mailing the notice, unless the insured notifies the insurer in writing that the insured accepts the nonrenewal as stated. The insurer shall notify the insured of the amount of the premium for the time after the expiration date that the coverage may remain in effect, and the insured shall pay such premium unless the insured accepts the stated nonrenewal. The premium must be calculated using the rates originally applicable to the insured's coverage then in effect.
Ohio Rev Code § 3937.27 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.27 | Renewal Conditioned Upon Substantial Increase in Premium - Notice.

Effective: September 13, 2004|Latest Legislation:  Senate Bill 187 - 125th General Assembly|(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 the Revised Code, upon a substantial increase in premium shall mail a notice of such intention to the agent of record and to the insured, at the insured's last known address, at least thirty days prior to the expiration date of the policy.(B) If the notice is mailed less than thirty days before the expiration date of the policy, the insured's coverage then in effect remains in effect until thirty days after the date of mailing the notice. The insurer shall notify the insured of the amount of the premium for the time after the expiration date that the existing coverage may remain in effect, and the insured shall pay such premium unless the insured notifies the insurer in writing that the insured does not want the coverage then in effect to be extended past the expiration date. The premium must be calculated using the rates originally applicable to the insured's coverage then in effect.If the insured accepts the increased premium, such change is effective immediately following the expiration of the insured's coverage then in effect.
Ohio Rev Code § 3937.30 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.30 | Automobile Insurance Policy Defined.

Effective: March 22, 2013|Latest Legislation:  House Bill 278 - 129th General Assembly|(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 damage liability, or related coverage, or any combination thereof;(2) Insures as named insured, any of the following:(a) Any one person;(b) A husband and wife resident in the same household;(c) Either a husband or a wife who reside in the same household if an endorsement on the policy excludes the other spouse from coverage under the policy and the spouse excluded signs the endorsement. Nothing in division (A)(2)(c) of this section shall prevent the issuance of separate policies to each spouse or affect the compliance of the policy with Chapter 4509. of the Revised Code as to the named insured or any additional insured.(3) Does not cover garage, automobile sales agency, repair shop, service station, or public parking operation hazards;(4) Is not issued under an assigned risk plan pursuant to section 4509.70 of the Revised Code.(B) For purposes of this section, "motor vehicle," means a self-propelled vehicle designed for and principally used on public roads, including an automobile, truck, motorcycle, and a motor home, provided the motor home is not stationary and is not being used as a temporary or permanent residence or office. "Motor vehicle" does not include a trailer, motorized bicycle, golf cart, off-road recreational vehicle, snowmobile, watercraft, construction equipment, farm tractor or other vehicle designed and principally used for agricultural purposes, mobile home, vehicle traveling on treads or rails, or any similar vehicle.
Ohio Rev Code § 3937.32 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.32 | Notice of Cancellation.

Effective: September 29, 2017|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 than thirty days following the date of the notice;(4) An explanation of the reason for cancellation 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;(5) Where cancellation is for nonpayment of premium at least ten days notice from the date of mailing of cancellation accompanied by the reason therefor shall be given;(6) A statement that if there is cause to believe such cancellation is based on erroneous information, or is contrary to law or the terms of the policy, the insured is entitled to have the matter reviewed by the superintendent of insurance, upon written application to the superintendent made not later than the effective date of cancellation of the policy.(B) An insurer may include a notice of cancellation for nonpayment of premium with a billing notice. Subject to division (A)(5) of this section, such a cancellation is effective on or after the due date of the bill.
Ohio Rev Code § 3937.33 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.33 | Cancellation Procedure.

Effective: March 22, 2013|Latest Legislation:  House Bill 278 - 129th General Assembly|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 cancellation pursuant to section 3937.32 of the Revised Code. If such notice of cancellation, for a reason other than nonpayment of premium, does not contain an explanation of the reason for cancellation and the information upon which it is based, the insurer shall, within five days after receipt of the written request therefor by the insured, furnish explanation to the insured in writing. Prior to the effective date of cancellation, the insurer shall refund to the insured any premium and other sums which may be due the insured. 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 any requirement of this section, such cancellation shall be ineffective and the policy shall continue in force until such time as it is cancelled or otherwise terminated pursuant to law and the terms of the policy.