OH HB636

Requires insurers, repair facilities, and installers to disclose in written estimates when non-OEM aftermarket replacement parts will be used, whether OEM parts are available, and that consumers have the right to choose OEM parts even if not fully covered by their policy

Mandates that insurance companies offering automobile policies in Ohio clearly offer policyholders an option to purchase OEM (original equipment manufacturer) part repair coverage

Allows consumers to use OEM replacement parts for repairs by paying the difference between OEM costs and the insurer's maximum coverage for non-OEM aftermarket parts

Permits actuarially justified premium adjustments when policyholders elect OEM part repair coverage, but does not require policies to include OEM coverage if the policyholder declines

Classifies violations by insurers as unfair and deceptive practices subject to administrative penalties under Ohio insurance law, with potential customer reimbursement ordered for gross or willful misconduct