Bill > HB636

This bill amends Ohio's auto insurance regulations to enhance transparency and consumer choice regarding replacement parts used in vehicle repairs. The legislation introduces new requirements for insurers, repair facilities, and installers when using non-original equipment manufacturer (non-OEM) replacement parts. Key provisions include mandating clear written estimates that identify aftermarket parts, informing consumers about the availability of original equipment manufacturer (OEM) replacement parts, and giving consumers the right to choose OEM parts even if they must pay the difference in cost beyond their insurance coverage. The bill requires insurers to explicitly offer OEM part repair coverage as an option when issuing or renewing automobile insurance policies, and allows insurers to adjust premiums actuarially when a policyholder selects this coverage. Violations of these provisions can result in administrative penalties, including potential reimbursement to customers for harm caused by misleading policy information. The legislation aims to provide more transparency in auto repair and insurance processes, empowering consumers to make more informed decisions about vehicle repairs and parts replacement.

Business and Industry

https://www.legislature.ohio.gov/legislation/136/hb636