Ohio Rev. Code » Chapter 3937
Ohio Revised Code

Ohio Rev. Code § 3937.32 (2026)

Notice of cancellation

✓ current as of May 2026
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Effective:
September 29, 2017
Latest Legislation:
House Bill 49 - 132nd General Assembly
PDF:
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(A) No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation. Such notice shall contain:

(1) The policy number;

(2) The date of the notice;

(3) The effective date of cancellation of the policy, which shall not be earlier than thirty days following the date of the notice;

(4) An explanation of the reason for cancellation and the information upon which it is based, or a statement that such explanation will be furnished to the insured in writing within five days after receipt of the insured's written request therefor to the insurer;

(5) Where cancellation is for nonpayment of premium at least ten days notice from the date of mailing of cancellation accompanied by the reason therefor shall be given;

(6) A statement that if there is cause to believe such cancellation is based on erroneous information, or is contrary to law or the terms of the policy, the insured is entitled to have the matter reviewed by the superintendent of insurance, upon written application to the superintendent made not later than the effective date of cancellation of the policy.

(B) An insurer may include a notice of cancellation for nonpayment of premium with a billing notice. Subject to division (A)(5) of this section, such a cancellation is effective on or after the due date of the bill.
Notes of Decisions
Cited in 16 cases, 1983–2014 · leading case: Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993).
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Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993). · cites it 20× “R.C. 3937.32 provides: “No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation.”
Clarke v. Smith, 690 N.E.2d 604 (Ohio Ct. App. 1997). · cites it 9× “After hearing the evidence, the trial court held that Heritage did not send the Smiths proper notice of cancellation as required by R.C. 3937.32 and 3937.33. It also held that Heritage had waived its right to cancel the Smiths’ policy because it had established a practice of…”
Lewis v. Motorists Ins. Companies, 645 N.E.2d 784 (Ohio Ct. App. 1994). · cites it 5× “The first conclusion was that the retroactive cancellation violated R.C. 3937.32 and 3937.33. The second conclusion was based upon the ambiguity of the cancellation date in the “Policy Change Request Form.”
Bauer v. Grange Mut. Cas. Co., 514 N.E.2d 913 (Ohio Ct. App. 1986). · cites it 13× “R.C. 3937.32 provides for the mailing of a notice of cancellation prior to an effective cancelling of an insurance contract.”
State Farm Mut. Auto. Ins. v. Ingle, 904 N.E.2d 934 (Ohio Ct. App. 2008). · cites it 2× “R.C. 3937.32. The *206 notice must include, among other things, the policy number, the date of the notice, and the effective date of the cancellation.”
Lococo v. Med. Sav. Ins. Co., 530 F.3d 442 (6th Cir. 2008). “Pursuant to Ohio Rev. Code § 3937.32, the cancellation of automobile insurance is effective only upon written notification to the insured.”
Ohio Farmers Ins. v. Est. of Brace, 688 N.E.2d 298 (Ohio Ct. App. 1997). · cites it 2× “appellees, to the prejudice of defendants-appellants, by failing to find that the ‘Automatic Termination’ provision of the insurance contract, which provided for cancellation of the policy immediately upon the insured obtaining other ‘similar’ insurance for the ‘covered auto,’…”
Turner v. Progressive Specialty Ins., 594 N.E.2d 986 (Ohio Ct. App. 1991). · cites it 11× “The appellants have filed the following assignment as error: “The trial court erred to the prejudice of the appellants by holding that, as a matter of law, the requirements of R.C. 3937.32 are inapplicable in situations where a policy of automobile liability insurance is…”
Bigler v. Pers. Serv. Ins. Co., 2014 Ohio 1467 (Ohio Ct. App. 2014). “33 (prior to effective date of cancellation, insurer shall tender any refund premium and other sums due). As the insurance company points out, these statutes do not apply to any policy or coverage that has been in effect less than 90 days at the time the notice of cancellation…”
DeBose v. Travelers Ins. Companies, 451 N.E.2d 753 (Ohio 1983). “Indeed, the appellate court further found that even had such notice been tendered it did not comport with the statutory criteria enumerated in R.C. 3937.32.”
Hoskins v. State Farm Mut. Auto. Ins., 497 N.E.2d 87 (Ohio 1986). “For a policy cancellation to be effective, R.C. 3937.32 requires the insurer to provide at least a ten-day written notice of cancellation where the reason for cancellation is nonpayment of a premium.”
Casto v. State Farm Mut. Auto. Ins., 594 N.E.2d 1004 (Ohio Ct. App. 1991). “R.C. 3937.32(E), specifically applicable to cancellation for nonpayment of a premium, provides only that the cancellation must be “pursuant to a written notice.”
Show all 16 citing cases →
— Ohio Rev. Code § 3937.32(B) — 1 case
Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993). “R.C. 3937.32 provides: “No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation.”
— Ohio Rev. Code § 3937.32(C) — 1 case
Bauer v. Grange Mut. Cas. Co., 514 N.E.2d 913 (Ohio Ct. App. 1986). “R.C. 3937.32 provides for the mailing of a notice of cancellation prior to an effective cancelling of an insurance contract.”
— Ohio Rev. Code § 3937.32(D) — 1 case
Turner v. Progressive Specialty Ins., 594 N.E.2d 986 (Ohio Ct. App. 1991). “The appellants have filed the following assignment as error: “The trial court erred to the prejudice of the appellants by holding that, as a matter of law, the requirements of R.C. 3937.32 are inapplicable in situations where a policy of automobile liability insurance is…”
— Ohio Rev. Code § 3937.32(E) — 6 cases
Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993). “R.C. 3937.32 provides: “No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation.”
Bauer v. Grange Mut. Cas. Co., 514 N.E.2d 913 (Ohio Ct. App. 1986). “R.C. 3937.32 provides for the mailing of a notice of cancellation prior to an effective cancelling of an insurance contract.”
State Farm Mut. Auto. Ins. v. Ingle, 904 N.E.2d 934 (Ohio Ct. App. 2008). “R.C. 3937.32. The *206 notice must include, among other things, the policy number, the date of the notice, and the effective date of the cancellation.”
Casto v. State Farm Mut. Auto. Ins., 594 N.E.2d 1004 (Ohio Ct. App. 1991). “R.C. 3937.32(E), specifically applicable to cancellation for nonpayment of a premium, provides only that the cancellation must be “pursuant to a written notice.”
Clarke v. Smith, 690 N.E.2d 604 (Ohio Ct. App. 1997). “After hearing the evidence, the trial court held that Heritage did not send the Smiths proper notice of cancellation as required by R.C. 3937.32 and 3937.33. It also held that Heritage had waived its right to cancel the Smiths’ policy because it had established a practice of…”
— Ohio Rev. Code § 3937.32(F) — 2 cases
Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993). “R.C. 3937.32 provides: “No cancellation of an automobile insurance policy is effective, unless it is pursuant to written notice to the insured of cancellation.”
Nationwide Ins. v. Brown, 3 Ohio App. Unrep. 296 (Ohio Ct. App. 1990).
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