Core Ohio Statutes

• Ohio Rev. Code Chapter 4509 — financial responsibility and required liability coverage.
• Ohio Rev. Code §3937.18 — optional UM/UIM coverage and permitted policy terms.
• Ohio Rev. Code §2315.33 — modified comparative fault.
• Ohio Rev. Code Chapter 2744 — political-subdivision tort immunity and exceptions.

Leading Ohio Decisions

• Zoppo v. Homestead Insurance Co., 71 Ohio St.3d 552 (1994) — insurer bad-faith refusal-to-pay standard.
• Ferrando v. Auto-Owners Mutual Insurance Co., 98 Ohio St.3d 186 (2002) — notice, consent-to-settle and prejudice principles in UM/UIM claims.

Ohio no longer requires insurers to offer UM/UIM coverage. Analysis should begin with the actual contract, then apply current §3937.18, later cases and claim-specific subrogation or limitation provisions.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.