The civic record
Read. Follow. Verify.Ohio House Bill 595 mandates uninsured motorist coverage in all motor vehicle insurance policies
Last action · November 19, 2025: Referred to InsuranceSponsors: Ismail Mohamed and 3 others
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What This Bill Would Do
Ohio House Bill 595 amends state law to make mandatory rather than optional in all motor vehicle insurance policies delivered or issued for delivery in the state. The measure specifies the statutory definitions for motor vehicles and uninsured motorists, and outlines conditions regarding and claim .
All motor vehicle insurance policyholders in the state will see included in their plans, altering policy terms and coverage limits across all registered vehicles.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Motor vehicle insurance policyholders
Policyholders must have uninsured motorist coverage included in their motor vehicle insurance policies.
Insurers operating in Ohio
Insurers must include uninsured motorist coverage in all delivered or issued motor vehicle policies and comply with claim and stacking regulations.
Superintendent of Insurance
The superintendent is required to study market availability and competition for coverages and report findings to state leadership.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Does this bill make uninsured motorist coverage mandatory on all car insurance policies in Ohio?
Can insurance policies prohibit the stacking of uninsured or underinsured motorist coverages?
What is the time limit for bringing a claim or suit for uninsured or underinsured motorist coverage?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Nov 19, 2025HouseCommitteeReferred to Insurance
- Nov 18, 2025HouseIntroducedIntroduced
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Transition from Optional to Mandatory Uninsured Motorist Coverage
The bill alters long-standing statutory language by shifting uninsured motorist coverage from an optional policy choice to a mandatory inclusion for all motor vehicle insurance policies in Ohio.
Connected Entities
Sources
www.legislature.ohio.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy45Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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