UM/UIM Coverage - R.C. § 3937.18

(A) Effective October 31, 2001 , an insurer no longer has a duty to offer UM/UIM coverage to its insured with the sale of a policy. As a result, there will no longer be any requirement that a rejection or reduction in coverage be in writing.

(A) UIM coverage is not excess coverage.

(G) Insurers may preclude both inter- family and intra- family stacking in their policies.

(H) On wrongful death claims, any claim for a single death is subject to the per person limit on coverage.

(H) An insured has a three year statute of limitations to assert a UM/UIM claim, assuming they did not destroy the insurer’s right of subrogation.

(K) A vehicle available for the regular use of the insured, a family member, or a fellow household member can be deemed an uninsured vehicle.

(L) These requirements only apply to policies meeting the financial responsibility requirements or to umbrella policies.

Per Person Limits - R.C. § 3937.44

For both liability and UM/UIM coverages, only the person limit is available for recovery for each person suffering a bodily injury or for each decedent.