A policyholder may successfully assert a bad faith claim against its insurer, even in regard to a policy claim that is determined ultimately not to be covered, if the insurer commits bad faith in its handling of the claim. In other words, there are two types of bad faith—bad faith denial and bad faith claim handling, and the latter type is actionable regardless of whether the policy claim is covered....
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The Ohio Supreme Court reviews only a small percentage of the cases decided by lower appellate courts. This is due largely to the Supreme Court's limited resources—Ohio has only one Supreme Court, of course, but it has 12 district courts of appeal, all of which generate opinions that could be further appealed. In addition, federal courts can request that the Ohio Supreme Court review certified questions of Ohio law....
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