Ohio Revised Code
Chapter 3904 | Insurance Information Practices
Section 3904.03 | Pretext Interviews.

Effective: June 29, 1995
Latest Legislation: House Bill 329 - 120th General Assembly
No insurance institution, agent, or insurance support organization shall use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction. However, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally or statutorily recognized privileged relationship with the person about whom the information relates for the purpose of investigating a claim where, based upon specific information available for review by the superintendent of insurance, there is a reasonable basis for suspecting criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with the claim.

Structure Ohio Revised Code

Ohio Revised Code

Title 39 | Insurance

Chapter 3904 | Insurance Information Practices

Section 3904.01 | Insurance Information Practices Definitions.

Section 3904.02 | Applicability of Chapter.

Section 3904.03 | Pretext Interviews.

Section 3904.04 | Institution or Agent to Provide Notice of Information Practices to Applicants and Policyholders.

Section 3904.05 | Marketing or Research Questions.

Section 3904.06 | Disclosure Authorization Form.

Section 3904.07 | Investigative Consumer Report.

Section 3904.08 | Written Request for Access to Recorded Personal Information.

Section 3904.09 | Correction, Amendment or Deletion of Information.

Section 3904.10 | Written Reason for Adverse Underwriting Decision Summary of Rights.

Section 3904.11 | Inquiry Concerning Previous Adverse Underwriting Decision.

Section 3904.12 | Prohibited Bases for Adverse Underwriting Decision.

Section 3904.13 | Disclosure of Personal or Privileged Information.

Section 3904.14 | Obtaining Information Under False Pretenses.

Section 3904.15 | Superintendent May Examine and Investigate Conduct.

Section 3904.16 | Superintendent to Issue and Serve Statement of Charges and Notice of Hearing.

Section 3904.17 | Organization Transacting Business Outside State - Superintendent of Insurance to Accept Service of Process.

Section 3904.18 | Cease and Desist Order or Report Finding No Violation - Petition for Review.

Section 3904.19 | Penalties for Knowing Violation or Violation of Cease and Desist Order.

Section 3904.20 | Review of Order or Report of Superintendent by Court of Common Pleas.

Section 3904.21 | Action by Person Whose Rights Are Violated.

Section 3904.22 | Authorized Disclosures of Personal or Privileged Information - Immunity.