State RegulationsOH specificDifficulty 2/5
An insured in Dayton submits a reinstatement application with the reinstatement premium and a conditional receipt, and the insurer neither approves nor disapproves the application. Under Ohio law, when does the reinstated coverage take effect?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.04(D) governs reinstatement by application and conditional receipt: the policy is reinstated upon approval of the application or, lacking approval, on the 45th day after the conditional receipt was given, unless the insurer has previously disapproved the application in writing. Silence past day 45 means coverage.
Why the other options are wrong
- B) Wrong because the statutory default date is the 45th day after the conditional receipt, not the 20th day after the application.
- C) Wrong because express approval is one route to reinstatement, but ORC 3923.04(D) supplies an automatic reinstatement date when the insurer does not act.
- D) Wrong because no superintendent involvement is required; the 45th-day mechanism operates by statute.
Memory hook
No word by day 45? You are covered.