It’s as automatic as the change of season, as the weather cools many of Ohio’s retirees head south for the winter. However, a case before the Ohio Supreme Court could complicate their seasonal trip south. The Court has taken up a case, which could allow Big Insurance to limit certain liability coverage for Ohioans residing in multiple locations throughout the year.
The court case concerns a wrongful death action, which occurred when a driver collided with a bicyclist in Geauga County. Despite having coverage under his elderly father’s umbrella insurance policy, as a resident relative, the insurance company has fought to deny coverage. Big Insurance wants to deny coverage for the driver, because his elderly father, who had the umbrella policy, lived in Florida with his wife during the colder winter months. In order for the Court to allow the denial of coverage, the Court would have to redefine what constitutes a person’s “domicile”, e.g. where they legally reside.
While the Court has not made their ruling, the legal community awaits their decision as it could affect every domicile question in the State of Ohio.