Under R.C. 3937.31, how many days' advance written notice must an Ohio personal auto insurer give before non-renewing a policy?

Why this is the answer

R.C. 3937.31 obligates Ohio auto insurers to give the named insured at least 30 days' advance written notice of intent not to renew. The statute also creates a two-year guaranteed-renewal cycle and limits the grounds for mid-term cancellation, balancing insurer underwriting discretion with consumer protection.