State Automobile Mutual Insurance v. Rowe

The initial issue presented in this case is whether an uninsured motorist liability policy clause that requires “physical contact” between the insured or the vehicle occupied by him and the vehicle of an unidentified motorist, as a condition of coverage, abrogates R.C. 3937.18 or contravenes public policy. We hold that it does not.

*145R.C. 3937.18 provides, in pertinent part:

“(A) No automobile * * * policy of insurance * * * shall be * * * issued for delivery in this state with respect to any motor vehicle registered * * * in this state unless both of the following are provided:

“(1) Uninsured…