Ohio Revised Code

Ohio Rev. Code § 4509.20 (2026)

Requirements of insurance or bond necessary to excuse deposit of security

✓ current as of May 2026
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(A) A policy or bond does not comply with divisions (A)(5), (A)(6), and (A)(7) of section 4509.19 of the Revised Code unless issued by an insurance company or surety company authorized to do business in this state, except as provided in division (B) of this section, or unless such policy or bond is subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, and, subject to said limit for one person, to a limit of not less than fifty thousand dollars because of bodily injury to or death of two or more persons in one accident, and, if the accident has resulted in injury to, or destruction of property, to a limit of not less than twenty-five thousand dollars because of injury to or destruction of property of others in any one accident.

(B) A policy or bond does not comply with divisions (A)(5), (A)(6), and (A)(7) of section 4509.19 of the Revised Code with respect to any motor vehicle which was not registered in this state or was a motor vehicle which was registered elsewhere than in this state at the effective date of the policy or bond or the most recent renewal thereof, unless the insurance company or surety company issuing such policy or bond is authorized to do business in this state, or if said company is not authorized to do business in this state unless it executes a power of attorney authorizing the registrar of motor vehicles to accept service on its behalf of notice or process in any action upon such policy or bond arising out of such accident.

The registrar may rely upon the accuracy of the information in the required report of a motor vehicle accident as to the existence of insurance or a bond unless the registrar has reason to believe that the information is erroneous.

Notes of Decisions
Cited in 33 cases, 1969–2003 · leading case: Bartlett v. Nationwide Mut. Ins., 294 N.E.2d 665 (Ohio 1973).
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Bartlett v. Nationwide Mut. Ins., 294 N.E.2d 665 (Ohio 1973). · cites it 8× “18 provides: “No automobile * * * policy of insurance * * * shall be * * * issued * * * unless coverage is provided therein * * * in limits for bodily injury or death set forth in Section 4509.20 of the Revised Code, under provisions approved by the Superintendent of Insurance,…”
Ady v. West Am. Ins., 433 N.E.2d 547 (Ohio 1982). · cites it 2× “The named insured shall have the right to reject such coverage, or may require the issuance of coverage for bodily injury or death in accordance with a schedule of optional lesser amounts approved by the superintendent, that shall be no less than the limits set forth in section…”
Abate v. Pioneer Mut. Cas. Co., 258 N.E.2d 429 (Ohio 1970). · cites it 2× “by law for bodily injury or death suffered *163 by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless…”
Roberts v. State Farm Mut. Auto. Ins., 802 N.E.2d 157 (Ohio Ct. App. 2d Dist. 2003). · cites it 2× “The named insured may require the issuance of such coverages for bodily injury or death in accordance with a schedule of optional lesser amounts approved by the superintendent, that shall be no less than the limits set forth in section 4509.20 of the Revised Code for bodily…”
Lafferty v. Reliance Ins., 109 F. Supp. 2d 837 (S.D. Ohio 2000). · cites it 2× “The named insured may require the issuance of such coverages for bodily injury or death in accordance with a schedule of optional lesser amounts approved by the superintendent, that shall be no less than the limits set forth in section 4509.20 of the Revised Code for bodily…”
Troyer v. Horvath, 468 N.E.2d 351 (Ohio Ct. App. 8th Dist. 1983). · cites it 4× “trial court erred in granting judgment for plaintiff on its supplemental complaint which sought to hold defendant insurance company liable for punitive damages awarded against the principal on a bond issued by the insurance company as surety inasmuch as the bond provided for the…”
Nationwide Mut. Ins. v. Marsh, 472 N.E.2d 1061 (Ohio 1984). “Appellants argue in the case at bar that Endorsement 1604 is always included in a policy which provides for uninsured motorists coverage in excess of the statutory minimum set forth in R.C. 4509.20(A), and thus appellees are bound by virtue of the request for such coverage.”
Curran v. State Auto. Mut. Ins., 266 N.E.2d 566 (Ohio 1971). · cites it 2× “osed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless…”
Orris v. Claudio, 406 N.E.2d 1381 (Ohio 1980). · cites it 2× “The named insured shall have the right to reject such coverage, or may require the issuance of coverage for bodily injury or death in accordance with a schedule of optional lesser amounts approved by the superintendent, that shall be no less than the limits set forth in section…”
Motorists Mut. Ins. v. Tomanski, 257 N.E.2d 399 (Ohio Ct. App. 1970). · cites it 6× “osed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless…”
Johnson v. Great Am. Ins. Co., 541 N.E.2d 100 (Ohio Ct. App. 1988). · cites it 2× “which, as effective June 25, 1980 (see 138 Ohio Laws, Part I, 1458), provided: “(A) * * * The named insured shall have the right to reject such uninsured motorist coverage, or may require the issuance of coverage for bodily injury or death in accordance with a schedule of…”
Weemhoff v. Cincinnati Ins., 325 N.E.2d 239 (Ohio 1975). · cites it 2× “lity policy of insurance insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state * * * unless…”
Show all 33 citing cases →
Ohio Rev. Code § 4509.20(A): 3 cases
Nationwide Mut. Ins. v. Marsh, 472 N.E.2d 1061 (Ohio 1984). “Appellants argue in the case at bar that Endorsement 1604 is always included in a policy which provides for uninsured motorists coverage in excess of the statutory minimum set forth in R.C. 4509.20(A), and thus appellees are bound by virtue of the request for such coverage.”
Inman v. Nat'l Union Fire Ins. Co. of Pittsburgh, 550 N.E.2d 530 (Ohio Ct. App. 5th Dist. 1989).
Trupp v. State Farm Mut. Auto. Ins., 575 N.E.2d 847 (Ohio Ct. App. 2d Dist. 1989).
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