PLOhiomedium
Under Ohio practice for new personal auto policies, during what initial period may an insurer cancel a newly issued policy for underwriting reasons without being limited to the narrow statutory grounds in R.C. 3937.31?
AThe first 30 days
BThe first 180 days
CThere is no underwriting window — only statutory grounds apply from inception
The first 90 days
Why this is the answer
R.C. 3937.31 and Ohio market practice give insurers a 90-day initial review window on new personal auto policies. During this period the carrier may cancel for any underwriting reason supported by its filed guidelines. After 90 days the insurer is restricted to statutory grounds such as non-payment, license suspension, fraud or material misrepresentation, or substantial increase in hazard.
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