Guide to Automobile

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This guide:

Describes the types of automobile insurance available. Explains your rights and responsibilities as a driver

Guide to

Automobile

Insurance

Mike DeWine Governor

Jillian Froment Director

Table of Contents Table of Contents Auto Insurance Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Auto Insurance Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Sample Declarations Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Liability Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Ohio's Financial Responsibility Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Financial Protection Against Uninsured / Underinsured Drivers . . . . . . . . 9 Physical Damage Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Rates & Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 High Risk = High Price . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Cancellation & Non-Renewal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Discounts for Older Drivers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Comparative Negligence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Resolving Claim Disputes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Repairing Your Car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 When Your Car is Totalled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Common Questions & Answers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Shopping & Other Tidbits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Consumer Complaints . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Insurance Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Insurance Consumer Complaint Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28

Disclaimer notice:

The information included in this publication is meant to serve as a guide and is not a substitute for legal or professional advice. Please be certain to check with a professional if you have questions. Updated February 12, 2019. May change without notice.

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Mike DeWine Governor

Jillian Froment Director

Insurance Rights Auto Insurance Rights

Policy rights You have the right ? To receive a copy of your policy ? To receive all copies of forms and applications you

or the agent sign ? Not to be discriminated against because of

your race, national origin, beliefs, or a physical handicap that does not impair your driving ability

Premium rights You have the right ? To a fair estimate (quotation) of premium, even

though the actual premium may be more or less than the quoted estimate

Claims rights You have the right ? To choose which shop will repair your car, unless

this right is limited by your policy ? To a prompt and good-faith settlement offer,

based on the terms of your policy ? To negotiate with the insurance company's

adjuster ? To use any arbitration procedures provided in

your policy

See page 16 for more information on claims.

Get a list of authorized companies at insurance. -- or call the Consumer Services Division at the Ohio Department of Insurance:

1-800-686-1526.

Renewal and cancellation rights You have the right

? To receive prior written notice if the insurance company decides to cancel or not renew your policy that includes the reasons for the cancellation or non-renewal

? To cancel your policy at any time -- however, you may be subject to a fee or penalty if you cancel your policy mid-term

Unfair acts

You have the right to call the Ohio Department of Insurance if you feel an insurance company or agent has deceived you, acted unfairly or violated the law.

You can file a written complaint with the

+

Department's Cosumer

Services Division at

50 W. Town Street, Suite 300,

Columbus, OH, 43215.

Or file the complaint at

the Department's website

(insurance.).

( Call 1-800-686-1526.

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Follow us on Facebook and Twitter! @OHInsurance OhioDepartmentofInsurance

insurance.

& Responsibilities

Auto Insurance Responsibilities

Policy responsibility You have a responsibility

? To fill out the insurance application with complete and accurate information

? To get a binder after you have signed the application and use this as proof of coverage until you receive your policy and insurance identification (I.D.) card

? To report any changes that affect your policy, including changes in names, addresses, drivers or vehicles

Premium responsibility You have a responsibility

? To keep track of your policy renewal date or premium payment due date -- most companies will send you a bill at least 30 days before the renewal date

? To pay premiums by the due date, even if you are in a dispute with the insurance company -- if you do not pay, the company has the right to cancel your policy

Claims responsibility You have a responsibility

? To not file phony, padded or fraudulent claims which ask the company to pay for losses that did not actually occur -- filing fraudulent claims is a crime and you could land in jail

? To promptly report any accidents or other losses to the agent or company, following the procedures in your policy

? To cooperate in the claims investigation process by providing information requested by the company, agent, or adjuster

? To pay for any losses that exceeds the limits of your policy

? To immediately inform the company of any claims or lawsuits that could require payment by the company

Insurance tip:

Protect yourself by accurately completing the application and keeping a copy.

Mike DeWine Governor

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Jillian Froment Director

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