Free Personal Auto Policy Practice Questions
Ohio Personal Lines exam (series 11-43) — 177 practice questions.
Subtopics: Financial responsibility, Property damage minimum, Liability coverage, UM/UIM, Nonrenewal, Nonpayment cancellation, Non-owner proof, Midterm cancellation, Proof at traffic stops, Liability part, Physical damage, Transportation expenses, Gap concept, UMPD, Split limits, Permissive use, Territory, Racing exclusion, Auto cancellation, Prohibited nonrenewal, Application questions, Traffic camera tickets, Insured-requested changes, Auto cancellation notice, License suspension, Auto nonrenewal, Official-duty accidents, Prohibited discrimination, Auto cancellation reasons, Auto cancellation refund, Superintendent review, Auto policy term, Auto claim estimates, Total loss replacement, Subrogation recovery, Total loss settlement, Binders, Minimum limits, Insurer certificate, Proof of financial responsibility, Owner's policy requirements, Uninsured driving penalties, Uninsured driver reports, Intrafamily exclusion, Aftermarket crash parts, Salvage parts, Accident prevention discount, Territorial rating, UM claim deadline, Uninsured motorist definition, Stacking, Underinsured motorist, Uninsured motorist property damage, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Towing and labor, Loss settlement physical damage, Duties after accident, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Duties after loss, Cancellation, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Ohio's minimum bodily injury liability limit per person is:
$25,000
The required limit is twenty-five thousand dollars for bodily injury to or death of one person in any one accident.
2. Ohio's minimum auto property damage liability limit is:
$25,000
The required limit is twenty-five thousand dollars for injury to property of others in any one accident.
3. When an Ohio driver insured under the ISO Personal Auto Policy causes an accident, Part A liability coverage pays:
Damages the insured is legally responsible for, up to the limit
Part A pays damages for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident, subject to the limit of liability.
4. Which statement about uninsured and underinsured motorist coverage in Ohio is correct?
An auto policy may include it but is not required to
Under 3937.18(A) a policy may, but is not required to, include UM, UIM or both.
Practice: Personal Auto Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
