Ohio Auto Insurance: Department of Insurance - Looking Out for You

* Auto
* Health
* Home
* Life
* Long-term care
* Worker`s compensation

The principal responsibility of CDI is to protect Ohio consumers. CDI does this by:

* Licensing insurers and insurance companies to do business in Ohio
* Regulating insurance contracts and rates
* Protecting against insurance fraud
* Ensuring that insurance companies comply with Ohio law
* Ensuring that insurance companies abide by their own policy language
* Processing Ohio insurance consumer complaints
* Monitoring and reporting annual insurance complaint rates
* Providing Ohio residents with comprehensive insurance guides

Licensing Insurers
The ODI manages the licensing process for all insurance companies, agents, adjusters, and groups in the state. Licensing procedures ensure not only that insurance companies are financially secure but also that individual agents are well-versed in Ohio state insurance laws through pre-licensure and continuing education coursework. The ODI also reviews all insurance products to verify that they comply with the Ohio Insurance Code`s rules regarding insurance contracts and rates.

Through CDI, consumers can verify:

* Whether an insurance company is licensed in Ohio
* Whether an insurance company is licensed to sell a specific line of insurance
* Whether an agent is licensed in Ohio and a legitimate representative of the insurance company Whether an insurance company has a good record of handling policy complaints

Protecting Consumers
Beyond licensing, the ODI works on a number of fronts to protect Ohio insurance consumer interests. The agency actively seeks to help consumers resolve their insurance-related disputes by reviewing and investigating consumer complaints. The Ohio Department of Insurance also seeks to limit disputes by providing shopping guides to help consumers better determine their insurance needs. A complete list of these guides, including the Ohio Shopper`s Guide to Automobile Insurance, can be found on the ODI website.

In addition to managing consumer complaints, the ODI polices all other insurance activities in Ohio. The ODI Director works diligently to protect consumers by prosecuting insurance fraud scams, revoking the insurance licenses of those who violate the Ohio Insurance Code, and issuing cease & desist orders to stop sales of unlicensed insurance products. The Director also publishes regulations to ensure the proper implementation of the Ohio Insurance Code