Ohio Revised Code
Chapter 3904 | Insurance Information Practices
Section 3904.12 | Prohibited Bases for Adverse Underwriting Decision.

Effective: June 29, 1995
Latest Legislation: House Bill 329 - 120th General Assembly
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.

Structure Ohio Revised Code