USAA underpayment in Ohio.
Three layers stack here: USAA's documented claims-handling patterns, Ohio's statutes for unfair claims practices and appraisal, and the most recent court opinions that have shaped how those collide. We pull the case law live from CourtListener and the complaint index live from NAIC — both update without manual edits.
The Ohio statute
What your carrier owes you under state law
Ohio Revised Code § 3901.21 (Unfair Claims Practices). Common-law bad-faith claim recognized under Hoskins v. Aetna Life Insurance.
How long you have to act
15 years for written-contract breach (one of the longest in the country); bad-faith torts: 4 years from accrual.
Your fastest enforcement lever
Ohio courts uphold appraisal clauses. Recent rulings tighten what 'amount of loss' includes — generally not coverage disputes.
🔴 Live intel on USAA
Recent court opinions mentioning USAA
- Linda Scobee v. USAA Casualty Insurance CompanyCourt of Appeals for the Eighth Circuit · 2026-02-23
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