Ohio § 3904.12 Prohibited bases for adverse underwriting decision

Ohio Statutes

§ 3904.12 — Prohibited bases for adverse underwriting decision

Ohio § 3904.12

Title 39Insurance

Ch. 3904Insurance Information Practices

This text of Ohio § 3904.12 (Prohibited bases for adverse underwriting decision) is published on Counsel Stack Legal Research, covering Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Ohio Rev. Code Ann. § 3904.12 (2026).

Text

No insurance institution or agent may base an adverse underwriting decision in whole or in part on either of the following:

(A)On the fact of a previous adverse underwriting decision. However, an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision.

(B)On personal information received from an insurance support organization whose primary source of information is insurance institutions. However, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as a result of information received from such insurance support organization.

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No insurance institution or agent may base an adverse underwriting decision in whole or in part on either of the following:

(A) On the fact of a previous adverse underwriting decision. However, an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision.

(B) On personal information received from an insurance support organization whose primary source of information is insurance institutions. However, an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as a result of information received from such insurance support organization.