Ohio Auto Insurance Rights and Responsibilities

In the state of Ohio, every citizen with auto insurance has a set of rights and responsibilities granted to them by the state government. Ohio auto insurance companies are required to be entirely transparent with their customers. This helps give the policyholder a full understanding of their insurance policy and coverage. Here are a few of the rights and responsibilities that are given to Ohio auto insurance policyholders.

Policy Rights

As an Ohio auto insurance policyholder, you have the right to receive a copy of your policy for personal inspection. You also have the right to receive copies of all forms and applications that are signed by you or your agent. This way, you can have a third-party review your insurance policy to make sure everything is aboveboard.

Along with the right to receive a physical copy of all your policy documents, you also have the right to a fair insurance quote. Even though the premium may be more or less than the quoted estimate, you have the right to challenge your quote as misleading if it’s incorrect. If you feel that your insurance company or an insurance agent is treating you unfairly, you have the right to call the Ohio Department of Insurance and submit a complaint. A Department of Insurance agent will review your complaint. They’ll ensure that your insurance company is treating you fairly.


Claims Rights

When making an Ohio auto insurance claim, you have the right to choose which shop will repair your car. Some companies limit which shops you can choose from in your policy, but the choice comes down to you if it isn’t stipulated in your policy.

You have the right to negotiate your premium with the insurance company’s adjustor. If you become eligible for a discount or get rid of a car, you can contact the company’s adjustor and have your premium reduced. If you have a variety of different safe driver discounts, you can save a lot of money on car insurance.


As a policyholder, you are responsible for filling out your insurance application with accurate information and to report any changes that affect your policy to your insurer. Along with these basic responsibilities, you’re also expected to make legitimate insurance claims. Your insurance agent will drop your policy if you file a fake insurance claim. Make sure that you don’t file any padded or fraudulent claims that ask the insurance company to pay for losses that did not happen. Be sure to immediately notify your insurance company of any lawsuits or claims that could require liability payment, and promptly report accidents.