Free Personal Automobile Policy Practice Questions
Ohio Property & Casualty exam (series 11-36) — 109 practice questions.
Subtopics: Auto nonrenewal, Nonpayment cancellation, Minimum limits, Liability-based system, UM/UIM, Insurer certificate of proof, Midterm cancellation, Financial responsibility, Liability coverage, Collision, Other than collision, Medical payments, Uninsured motorist, Split limits, Exclusions, Covered persons, Auto cancellation, Prohibited nonrenewal, Application questions, Traffic camera tickets, Insured-requested changes, Covered policies, Auto cancellation notice, License suspension, Official-duty accidents, Prohibited discrimination, Auto cancellation reasons, Auto cancellation refund, Superintendent review, Auto policy term, Betterment, Total loss settlement, Auto claim estimates, Total loss replacement, Storage charges, Subrogation recovery, Binders, Proof of financial responsibility, Owner's policy requirements, Uninsured driving penalties, Self-insurance, Proof during suspension, Uninsured driver reports, Intrafamily exclusion, Aftermarket crash parts, Salvage parts, Accident prevention discount, Territorial rating, UM claim deadline, UM claims, UM definitions, UM exclusions, Uninsured motorist definition, Stacking, Underinsured motorist, UM and workers' compensation, Uninsured motorist property damage, Policy structure, Physical damage, Definition of insured, Optional coverages, Collision coverage, Transportation expenses, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. To nonrenew an Ohio personal auto policy, the insurer must mail notice to the insured at least how many days before expiration?
30 days
An insurer may refuse to renew by mailing notice of intention not to renew at least thirty days before the expiration date.
2. When an Ohio auto insurer cancels for nonpayment of premium, it must give notice of at least how many days from the date of mailing?
10 days
Where cancellation is for nonpayment, at least ten days' notice from mailing, with the reason, is required.
3. Ohio's minimum auto liability limits under the financial responsibility law are:
25/50/25
An owner's policy must provide $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
4. Ohio's financial responsibility law requires an owner's auto policy to insure against:
Liability imposed by law for damages from use of the vehicle
Ohio's compulsory coverage is liability insurance for damages imposed by law (a fault-based system), not first-party no-fault benefits.
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Practice: Personal Automobile 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.
