Ohio Revised Code

Ohio Rev. Code § 3937.33 (2026)

Cancellation procedure

✓ current as of May 2026
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An insurer may cancel an automobile insurance policy at such time prior to its expiration for such reasons as may be permitted by section 3937.31 of the Revised Code, by mailing to the insured, at the insured's last known address appearing on the insurer's records, a notice of cancellation pursuant to section 3937.32 of the Revised Code. If such notice of cancellation, for a reason other than nonpayment of premium, does not contain an explanation of the reason for cancellation and the information upon which it is based, the insurer shall, within five days after receipt of the written request therefor by the insured, furnish explanation to the insured in writing. Prior to the effective date of cancellation, the insurer shall refund to the insured any premium and other sums which may be due the insured.

Upon compliance by the insurer with all requirements of this section, such automobile insurance policy is cancelled on the effective date stated in the notice of cancellation, except as otherwise provided in section 3937.35 of the Revised Code. In the event of the insurer's failure to comply with any requirement of this section, such cancellation shall be ineffective and the policy shall continue in force until such time as it is cancelled or otherwise terminated pursuant to law and the terms of the policy.

Notes of Decisions
Cited in 9 cases, 1986–2014 · leading case: Bauer v. Grange Mut. Cas. Co., 514 N.E.2d 913 (Ohio Ct. App. 1986).
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Bauer v. Grange Mut. Cas. Co., 514 N.E.2d 913 (Ohio Ct. App. 1986). · cites it 14× “Appellant appeals and assigns the following error: “The trial court erred to the prejudice of plaintiff-appellant by finding that R.C. 3937.33 does not apply to cancellation of an automobile insurance policy for non-payment of premium.”
Casto v. State Farm Mut. Auto. Ins., 594 N.E.2d 1004 (Ohio Ct. App. 1991). · cites it 3× “Chapter 3937. Reviewing the statutes involved, it is unclear whether actual notice is required to effectively cancel an insurance policy for nonpayment of a premium.”
Bigler v. Pers. Serv. Ins. Co., 2014 Ohio 1467 (Ohio Ct. App. 2014). “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 is mailed.”
State Farm Mut. Auto. Ins. v. Ingle, 904 N.E.2d 934 (Ohio Ct. App. 2008). “” R.C. 3937.33. {¶ 22} Consistent with the statutory requirements, paragraph 8(a)(3)(a) of Part V of Ingle’s policy with Farmers provided: {¶ 23} “(3) When this policy is in effect 90 days or more or is a renewal, we may cancel only for one or more of the following reasons: {¶…”
Love v. Motorists Mut. Ins., 620 N.E.2d 987 (Ohio Ct. App. 1993). “Moreover, R.C. 3937.33 provides that “[a]n insurer may cancel an automobile insurance policy at such time prior to its expiration for such reasons as may be permitted by section 3937.”
Ohio Farmers Ins. v. Est. of Brace, 688 N.E.2d 298 (Ohio Ct. App. 1997). “32 and Ohio R.C. 3937.33. “SECOND ASSIGNMENT OF ERROR: “The trial court erred in granting summary judgment in favor of plaintiffsappellees, to the prejudice of defendants-appellants, by failing to find that ‘Other Insurance’ and ‘Automatic Termination’ provisions of the…”
Clarke v. Smith, 690 N.E.2d 604 (Ohio Ct. App. 1997). “Further, the statute specifically states that where cancellation is for nonpayment of premium, “at least ten days notice from the date of mailing of cancellation accompanied by the reason therefore [sic ] shall be given.”
Turner v. Progressive Specialty Ins., 594 N.E.2d 986 (Ohio Ct. App. 1991). · cites it 2× “On appeal, Oates argued that Nationwide had not complied with R.C. 3937.33, and that since the premium was paid after the alleged cancellation date Nationwide could not claim a prior cancellation.”
Nationwide Ins. v. Brown, 3 Ohio App. Unrep. 296 (Ohio Ct. App. 1990). “" Additionally, pursuant to R.C. 3937.33, to be effective, the notice of cancellation must be "mailted] to the insured, at his last known address appearing on the insurer's records, at least thirty days prior to the effective date of cancellation.”
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