In Ohio can a claim against your auto insurance when you are not at fault raise the premium?

Can a claim against your own auto insurance policy in Ohio result in the insurance company increasing your premiums or dropping you as an insured if you are not at fault for the accident?

Ohio law is very clear that an insurance company cannot raise your premiums if you have made an uninsured motorist claim against your policy if you are not at fault for the accident. Ohio revised code section 3937.23 specifically states that the insurance company cannot raise your rates. The Ohio law states:

3937.23 Prohibiting increase in cost when insured not at fault involved in accident with uninsured motorist. No insurer shall increase the cost of a private passenger automobile insurance policy based on the insured’s involvement in a motor vehicle accident with an uninsured or underinsured motorist, when both of the following apply:

(A) The insured’s action is not a proximate cause of any loss, damage, injury, or death arising out of the accident;

(B) The insured has not been convicted of, pleaded guilty to, or pleaded no contest to, a violation of law as a result of the accident.

Effective Date: 10-20-1994

If you or a loved one has been injured by an uninsured motorist or an underinsured motorist, call The Robenalt Law Firm at 216-223-7535 for a free consultation.