Applicant Eligible for Plan

To be eligible for bodily injury, property damage, medical payments, and physical damage coverages, the applicant must meet the following criteria:

  1. As a prerequisite to consideration for assignment under the Plan, the applicant must certify, in the prescribed application form, that he has attempted, within 60 days prior to the date of application, to obtain automobile insurance in the state, and that he has been unable to obtain such insurance rates equal or less than the Plan.

  2. An applicant so certifying shall be considered for assignment provided that he reports in the prescribed application form all information of a material nature and does not willfully make incorrect or misleading statements in the prescribed application form, or does not come within any of the prohibitions or exclusions shown in Section 2.C.

  3. For bodily injury, property damage, and medical payments coverage, the Plan shall be available to residents and non-residents of the state only with respect to automobiles that are registered or will be registered in the state within 15 days, except that non-residents who are members of the United States military forces, shall be eligible with respect to automobiles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

  4. For physical damage coverage, the Plan shall be available to residents and non-residents of the state only with respect to motor vehicles that are registered or will be registered in the state within 15 days and garaged in Ohio, except that non-residents who are members of the United States military forces shall be eligible with respect to motor vehicles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

Applicant Not Eligible for Plan

An applicant shall not in any event be entitled to insurance, nor shall any company be required to afford or continue insurance under the following circumstances:

  1. If any person who usually drives the automobile does not have a valid driver’s license, or fails to obtain such license as required by law, except where the license has been suspended or revoked and can be restored upon the filing of financial responsibility.

  2. If the applicant or anyone who usually drives the motor vehicle fails to meet all obligations to pay to any insurance company any automobile insurance premiums due.

    If the applicant is one of two or more entities, in each of which the same person or group of persons or corporations owns a majority interest, none of such entities shall be eligible for insurance under the Plan, if any of such entities has failed to meet its premium obligations as outlined above. If an entity owns the majority interest in another entity which in turn owns the majority interest in another entity, all entities so related shall be considered under the same majority ownership for purposes of this rule.

  3. If the condition of the applicant’s automobile is such as to endanger public safety, except that the company shall afford insurance provided the applicant makes such repairs to his automobile as may reasonably be required.

  4. An applicant shall not be entitled to physical damage insurance nor shall any company be required to afford or continue to afford physical damage insurance under the following circumstances:

    a. if the applicant’s automobile is an antique automobile (25 or more years old), or

    b. if the applicant’s automobile has an Original Cost New in excess of $25,000, or

    c. if the applicant has failed to make his vehicle(s) available for inspection at the request of the assigned company as specified in Section 12.B.

Medical payments insurance shall be available to an applicant, but only in connection with the same policy written in accordance with this Plan affording bodily injury and property damage coverage for a four-wheel vehicle classified and rated as a private passenger automobile.

 

   
 

Ohio Automobile Insurance Plan
172 E. State Street, Suite 201, Columbus, Ohio 43215-4321 Phone: 614-221-2596 E-mail: oaip@ohioinsurance.org

 
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