# Ohio — How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines

For Ohio, obligation is pay accepted claim; deadline is no later than ten days; day type is days; clock starts from is acceptance of a claim if the amount of the claim is determined and is not in dispute; citation is OAC 3901-1-54, recorded from its source on 2026-08-11.

- **State:** Ohio _(our reading, not quoted from the source)_
- **Obligation:** pay accepted claim _(our reading, not quoted from the source)_
- **Deadline:** no later than ten days _(verified: appears in the quote below)_
- **Day type:** days _(verified: appears in the quote below)_
- **Clock starts from:** acceptance of a claim if the amount of the claim is determined and is not in dispute _(verified: appears in the quote below)_
- **Citation:** OAC 3901-1-54
- **Instrument:** regulation _(our reading, not quoted from the source)_
- **Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

## What the source says

> An insurer shall tender payment to a first party claimant no later than ten days after acceptance of a claim if the amount of the claim is determined and is not in dispute, unless the settlement involves a structured settlement, action by a probate court, or other extraordinary circumstances as documented in the claim file.

## Source

- https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54

Last verified: 2026-08-11. Review by: 2026-12-09.
Part of [How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines](https://referencesource.org/insurance-claim-handling-deadlines/).