After an Ohio commercial property or casualty policy has been in effect for more than how long may it be cancelled only on the listed grounds?Answer: 90 days. Source: ORC 3937.25(B)
An Ohio auto cancellation notice gives no reason, and the insured asks for it in writing. How soon must the insurer furnish the explanation?Answer: Within 5 days after receipt of the request. Source: ORC 3937.32(A)
An Ohio auto insurer cancels without meeting every requirement of the cancellation procedure. What is the result?Answer: The cancellation is ineffective and the policy continues in force. Source: ORC 3937.33
An Ohio commercial insurer mails its nonrenewal notice only twelve days before expiration. Until when does the coverage remain in effect?Answer: Until thirty days after the date of mailing the notice. Source: ORC 3937.26(B)
An Ohio commercial insurer will renew only at a substantially higher premium. To whom must it mail notice at least thirty days before expiration?Answer: The agent of record and the insured. Source: ORC 3937.27(A)
Show all 107 questions (102 more)
Cancellation and nonrenewal, continued
An Ohio commercial policy is cancelled for a reason other than nonpayment. How long after the notice is mailed may the cancellation take effect?Answer: No less than 30 days. Source: ORC 3937.25(D)
An Ohio commercial policy is written for a three-year term. When may the policy let the insurer issue a notice of cancellation?Answer: At least 30 days before a policy anniversary. Source: ORC 3937.25(E)
An Ohio driver gets a traffic camera ticket for a civil violation. How may an auto insurer use it?Answer: Not as a basis to refuse, cancel, nonrenew or raise the rate. Source: ORC 3937.411
An Ohio fire insurer refuses to cancel at the insured's request as sections 3929.19 to 3929.22 require. On sufficient proof, what must the superintendent do?Answer: Revoke the company's certificate of authority. Source: ORC 3929.24
An Ohio homeowner's policy is cancelled for nonpayment of premium. How long after the notice is mailed may the cancellation take effect?Answer: Not less than 10 days. Source: ORC 3937.47(B)
An Ohio insured asks the fire insurer to cancel a policy issued on the cash plan. What may the company keep?Answer: Customary short rates for the time the policy was in force. Source: ORC 3929.20
An Ohio insurer cancels an automobile insurance policy for a reason other than nonpayment. What is the earliest effective date the notice may state?Answer: 30 days following the date of the notice. Source: ORC 3937.32(A)
An Ohio insurer sends a cancellation notice for nonpayment together with a billing notice. When may the cancellation be effective?Answer: On or after the due date of the bill, ten days observed. Source: ORC 3937.32(B)
An Ohio medical malpractice policy is cancelled for a reason other than nonpayment. How long after mailing may the cancellation take effect?Answer: Not less than 60 days. Source: ORC 3937.28(C)
An Ohio police officer has a crash while on duty in a patrol car. How may the officer's personal auto insurer treat it?Answer: It may not consider the accident in rating or renewing. Source: ORC 3937.41(B)
Besides the insured, to whom must an Ohio commercial insurer mail its notice of cancellation?Answer: The insured's agent. Source: ORC 3937.25(C)
By when must an Ohio insured apply in writing to the superintendent of insurance for review of an auto cancellation?Answer: Not later than the effective date of cancellation. Source: ORC 3937.32(A)
For what minimum period must every Ohio automobile insurance policy be issued, or be guaranteed renewable?Answer: Not less than one year. Source: ORC 3937.31(A)
How far ahead of expiration must an Ohio insurer mail notice that it will not renew an automobile insurance policy?Answer: At least 30 days. Source: ORC 3937.34
How much notice must an Ohio auto insurer give when it cancels a policy for nonpayment of premium?Answer: At least 10 days. Source: ORC 3937.32(A)
Loss of reinsurance is a ground for cancelling an Ohio commercial policy only if who has determined that reasonable efforts were made to prevent the loss?Answer: The superintendent of insurance. Source: ORC 3937.25(B)
The Ohio superintendent disapproves an auto cancellation after review. What must the insured do for the policy to continue in force?Answer: Tender any premium refund back to the insurer within ten days. Source: ORC 3937.35
Ohio's auto cancellation sections do not apply to a new policy that has been in effect for less than how long when the notice is mailed?Answer: 90 days. Source: ORC 3937.31(C)
The teenage son of an Ohio named insured loses his driver's license. He is not the principal operator. What must the auto insurer do?Answer: Continue the policy but exclude him by endorsement. Source: ORC 3937.31(A)
What may an Ohio insurer's application for an automobile insurance policy not require the applicant to disclose?Answer: A refusal or cancellation made outside the statutory procedure. Source: ORC 3937.37
What must an Ohio fire insurance company insert in every policy covering property in the state?Answer: An obligation to cancel it on the insured's written request. Source: ORC 3929.19
When must an Ohio auto insurer refund premium due the insured on a cancellation?Answer: Prior to the effective date of cancellation. Source: ORC 3937.33
Auto liability, uninsured motorist and repair parts 24
A hit-and-run driver injures an Ohio insured and is never identified. What does the uninsured motorist law require to treat the driver as uninsured?Answer: Independent corroborative evidence of the driver's fault. Source: ORC 3937.18(B)
A jury awards punitive damages against an Ohio driver. What does ORC 3937.182 say about coverage under the driver's auto policy?Answer: No policy shall provide coverage for punitive or exemplary damages. Source: ORC 3937.182(B)
A person hurt in an Ohio crash believes the other driver was uninsured. How long after the accident may a written report alleging this be sent to the registrar?Answer: Within six months. Source: ORC 4509.06(A)
After the Ohio registrar suspends operating privileges for lack of insurance, for how long must proof of financial responsibility be filed and maintained?Answer: One year from the suspension. Source: ORC 4509.45(D)
An applicant is unhappy with a decision of the manager of Ohio's automobile assigned risk plan. To whom may the applicant appeal?Answer: The superintendent of insurance. Source: ORC 4509.70(A)
An Ohio auto policy excludes liability for injury to the owner's family members. In what kind of claim may the exclusion generally not be enforced?Answer: A wrongful death claim against the owner or operator. Source: ORC 3937.46(A)
An Ohio insurer's written repair estimate is based on non-OEM aftermarket crash parts. In what type size must the required notice appear?Answer: Ten-point or larger. Source: ORC 1345.81(B)
An Ohio worker hurt in a crash on the job collects workers' compensation. How may that affect uninsured motorist coverage?Answer: It may not be excluded or reduced because of those benefits. Source: ORC 3937.18(E)
How do an at-fault driver's liability limits affect an Ohio insured's underinsured motorist limits?Answer: They are reduced by the amounts available from the liability coverage. Source: ORC 3937.18(C)
How many motor vehicles must be registered in a person's name in Ohio before the person may qualify as a self-insurer?Answer: More than 25. Source: ORC 4509.72(A)
Is the owner of a self-insured vehicle an uninsured motorist under Ohio's uninsured motorist law?Answer: No, if self-insured under the registering state's responsibility law. Source: ORC 3937.18(B)
Must an Ohio automobile liability policy include uninsured motorist coverage?Answer: No; a policy may include it but is not required to. Source: ORC 3937.18(A)
The Ohio registrar mails a notice asking a driver alleged to be uninsured for proof of financial responsibility. How long does the driver have to send it?Answer: Within 30 days after the mailing. Source: ORC 4509.06(C)
The Ohio registrar may cancel a certificate of self-insurance when a final judgment has gone unpaid for how long?Answer: 30 days. Source: ORC 4509.72(C)
Ohio uninsured motorist property damage coverage, where made available, need not exceed the amount otherwise available from the policy or what sum, if less?Answer: $7,500. Source: ORC 3937.181(B)
What bodily injury limit must an Ohio owner's liability policy provide for two or more persons in one accident?Answer: $50,000. Source: ORC 4509.51(B)
What financial responsibility reinstatement fee does Ohio charge for a first violation of driving without proof of financial responsibility?Answer: $40. Source: ORC 4509.101(A)
What financial responsibility reinstatement fee does Ohio charge for a third violation of driving without proof of financial responsibility?Answer: $600. Source: ORC 4509.101(A)
What is the largest deductible that may apply to Ohio uninsured motorist property damage coverage?Answer: $250. Source: ORC 3937.181(B)
What is the minimum property damage limit of an Ohio owner's policy of liability insurance for one accident?Answer: $25,000. Source: ORC 4509.51(B)
What may an Ohio policy that includes uninsured motorist coverage say about stacking?Answer: It may preclude any and all stacking of the coverages. Source: ORC 3937.18(F)
What may the plan approved under ORC 4509.70 permit Ohio's assigned risk insurance plan to do itself?Answer: Directly issue policies and process their claims. Source: ORC 4509.70(B)
What must be permanently affixed to or inscribed on a non-OEM aftermarket crash part used in an Ohio repair?Answer: The business name or logo of the manufacturer. Source: ORC 1345.81(C)
When may an Ohio insurer or repair facility use a salvage motor vehicle part in a repair?Answer: When it is of like kind and quality, from a licensed salvage dealer. Source: ORC 1345.81(D)
Valued policy, fire loss and mine subsidence 11
A fire totally destroys an insured Ohio building. With no fraud and no increase in the risk, what must the insurer pay under the valued policy law?Answer: The whole amount in the policy on which it received premium. Source: ORC 3929.25
A homeowners insurer writes a policy in Summit County, Ohio, where the county has passed no resolution. What must it do about mine subsidence coverage?Answer: Offer to include it on an optional basis. Source: ORC 3929.56(A)
Above what amount of fire loss to an Ohio structure may an insurer not pay the named insured without a county treasurer's certificate?Answer: $5,000. Source: ORC 3929.86(A)
An Ohio fire loss reaches a set share of the limits on all fire policies, so part of the proceeds goes to the municipal corporation or township. What share triggers this?Answer: 60 per cent or more. Source: ORC 3929.86(C)
For Ohio mine subsidence insurance, a structure is a dwelling for at most how many families?Answer: Four families. Source: ORC 3929.50(B)
In settling an Ohio fire loss on a building, which parts are not considered part of the building?Answer: The cellar and foundation walls. Source: ORC 3929.25
In which of these Ohio counties must a homeowners insurer include mine subsidence coverage in each policy?Answer: Belmont. Source: ORC 3929.56(A)
What share of mine subsidence premiums does an Ohio insurer keep as a ceding commission in a county designated for optional coverage?Answer: 30 per cent. Source: ORC 3929.59
When does the Ohio mine subsidence insurance underwriting association have a right of recourse against the ceding company?Answer: Only in case of fraud by the company. Source: ORC 3929.61
Which cause of loss is not mine subsidence under Ohio's mine subsidence insurance law?Answer: A landslide. Source: ORC 3929.50(A)
With no contractor's estimate submitted, how much of an Ohio fire claim is transferred to the municipal or township officer for each fifteen thousand dollars of the claim?Answer: $2,000. Source: ORC 3929.86(C)
Claim settlement practices 10
After receiving properly executed proof of loss, how long does an Ohio insurer have to decide whether to accept or deny the claim?Answer: Within 21 days. Source: OAC 3901-1-54(G)
An Ohio insured reports a claim to the insurer's agent and not to the home office. Has the insurer been notified?Answer: Yes; notification to the insurer's agent is notification to the insurer. Source: OAC 3901-1-54(F)
An Ohio insurer accepts a first party claim and the amount is not in dispute. How soon must it tender payment?Answer: No later than 10 days after acceptance. Source: OAC 3901-1-54(G)
An Ohio insurer needs more time to investigate a claim. How often must it update the claimant in writing on the status?Answer: At least every 45 days. Source: OAC 3901-1-54(G)
An Ohio insurer reasonably believes a claimant fraudulently caused a loss. How soon after the proof of loss must it present the information to the department's fraud division?Answer: Within 60 days. Source: OAC 3901-1-54(G)
An unrepresented Ohio claimant's time to sue is about to run out. How far ahead must the insurer give notice of the limit?Answer: At least 60 days before it expires. Source: OAC 3901-1-54(G)
How soon after it is notified must an Ohio property and casualty insurer acknowledge receipt of a claim?Answer: Within 15 days. Source: OAC 3901-1-54(F)
The Ohio department of insurance sends an insurer an inquiry about a claim. How soon must the insurer furnish a reasonable response?Answer: Within 21 days. Source: OAC 3901-1-54(F)
What must every application and claim form issued by an insurer in Ohio clearly contain?Answer: A warning that a false statement made to defraud is insurance fraud. Source: ORC 3999.21(B)
When may an Ohio property and casualty insurer require an insured to take a polygraph examination?Answer: Only when the insurance contract authorizes it. Source: OAC 3901-1-54(G)
FAIR plan and joint underwriting association 10
An Ohio member insurer cancels a risk that is eligible for the fair plan. Besides thirty days' notice, what must the notice explain?Answer: The procedures for making application to the association. Source: OAC 3901-1-18(D)
As a condition of an Ohio fair plan binder or policy, what must the applicant certify about the property's taxes?Answer: No taxes, assessments, penalties or charges are outstanding. Source: ORC 3929.44(E)
How do member insurers share in the writings, expenses, profits and losses of the Ohio fair plan underwriting association?Answer: In proportion to their share of all members' premiums written. Source: ORC 3929.43(E)
How is the Ohio commercial insurance joint underwriting association activated for a particular class of insurance?Answer: Only by rule of the superintendent, on required findings. Source: ORC 3930.03
What authority does a licensed Ohio agent have to bind coverage for the fair plan underwriting association?Answer: None; an agent may not bind any risk for the association. Source: OAC 3901-1-18(E)
What is the earliest an Ohio fair plan binder can be effective?Answer: 12:01 a.m. the day after the association receives premium and application. Source: OAC 3901-1-18(I)
What is the maximum limit of liability per location for real and personal property coverage through the Ohio fair plan?Answer: $2,000,000. Source: OAC 3901-1-18(F)
What must an applicant to the Ohio fair plan underwriting association certify about earlier attempts to find coverage?Answer: At least two insurers were contacted and had no coverage available. Source: ORC 3929.44(D)
Which kind of insurance is left out of basic property insurance under Ohio's fair plan law?Answer: Automobile insurance. Source: ORC 3929.42(A)
Which line is outside the commercial insurance the Ohio commercial insurance joint underwriting association may write?Answer: Workers' compensation. Source: ORC 3930.01(B)
Ohio insurance guaranty association 10
A liability claim could be recovered from the guaranty associations of two states. Under Ohio law, where must recovery be sought first?Answer: From the association of the place of residence of the insured. Source: ORC 3955.13(B)
An Ohio member insurer fails to pay a guaranty association assessment when due. In place of suspension, what monthly penalty may the superintendent levy at most?Answer: 5 per cent of the unpaid assessment. Source: ORC 3955.10
Below what size is a claim not a covered claim of the Ohio insurance guaranty association?Answer: A claim that does not exceed $100. Source: ORC 3955.01(D)
For administration and assessment, into how many accounts is the Ohio insurance guaranty association divided?Answer: Two. Source: ORC 3955.06(B)
For how long are Ohio court proceedings in which an insolvent insurer must defend a party stayed, to let the guaranty association prepare?Answer: Six months. Source: ORC 3955.19
How soon after learning of an insolvent insurer must the Ohio superintendent notify the insurance guaranty association?Answer: Not later than 3 days. Source: ORC 3955.10
Several relatives make claims arising from one person's bodily injury against an insolvent Ohio insurer. How does the guaranty association's limit treat them?Answer: As a single claim, whatever the number of derivative claims. Source: ORC 3955.01(D)
What is the most the Ohio insurance guaranty association may assess a member insurer on an account in one year, as a share of its net direct written premiums in that account?Answer: 1.5 per cent. Source: ORC 3955.08(A)
What is the most the Ohio insurance guaranty association pays on an unearned premium claim?Answer: $10,000. Source: ORC 3955.01(D)
What is the most the Ohio insurance guaranty association pays on any one covered claim other than unearned premium?Answer: $300,000. Source: ORC 3955.01(D)
Workers' compensation 10
An Ohio employer has posted the required notice about chemical tests. An alcohol test given how soon after an injury supports the rebuttable presumption that being intoxicated caused it?Answer: Within eight hours. Source: ORC 4123.54(B)
An Ohio employer must keep a record of work injuries that result in how many days or more of total disability?Answer: Seven days. Source: ORC 4123.28
For how long does an Ohio award for permanent total disability continue?Answer: Until the employee's death. Source: ORC 4123.58(A)
For how long must an Ohio worker be totally disabled before compensation for the first week is paid?Answer: A continuous period of two weeks or more. Source: ORC 4123.55
For the first twelve weeks of temporary total disability, what share of the full weekly wage does an Ohio worker receive, within the statutory maximum?Answer: 72 per cent. Source: ORC 4123.56(A)
What is the minimum weekly compensation for temporary total disability in Ohio, as a share of the statewide average weekly wage?Answer: 33 1/3 per cent. Source: ORC 4123.56(A)
What is the most the Ohio state insurance fund pays for reasonable funeral expenses when a worker dies of a work injury?Answer: $7,500. Source: ORC 4123.66(A)
What protection does an Ohio employer gain by complying with ORC 4123.35, on paying premium or self-insuring?Answer: It is not liable in damages at common law or by statute. Source: ORC 4123.74
When is an Ohio worker not entitled to compensation for an injury involving alcohol?Answer: When being intoxicated was the proximate cause of the injury. Source: ORC 4123.54(A)
Within what time after an injury or death must notice of the injured body parts be given, or a claim be barred, under Ohio's workers' compensation law?Answer: Within one year. Source: ORC 4123.84(A)
Controlling producers and retaliatory law 5
A person who must hold an Ohio insurance license does not hold one. What may that person not accept?Answer: A commission or fee for selling insurance in the state. Source: ORC 3905.181
Another state charges Ohio insurers a higher license fee than Ohio charges that state's insurers. What does Ohio's retaliatory law do?Answer: Imposes the same obligations on that state's insurers in Ohio. Source: ORC 3901.86(A)
Ohio's controlled business rules apply when a controlling producer places business with its controlled insurer worth what share of the insurer's admitted assets in a calendar year?Answer: 5 per cent or more. Source: ORC 3905.63(A)
Under the contract Ohio requires between a controlling producer and its controlled insurer, how soon after a policy's effective date must collected premiums be remitted?Answer: No later than 90 days. Source: ORC 3905.63(A)
What must an Ohio controlling producer give a prospective insured before the policy's effective date?Answer: Written notice disclosing the controlling relationship. Source: ORC 3905.64
How this list was compiled: Own questions, written from the Ohio Revised Code and the Ohio Administrative Code as published on the state's own site (https://codes.ohio.gov/), read on October 14, 2026: Revised Code sections 1345.81, 3901.86, 3905.181, 3905.63, 3905.64, 3929.19 to 3929.25, 3929.42 to 3929.44, 3929.50 to 3929.61, 3929.86, 3930.01, 3930.03, 3937.18 to 3937.182, 3937.25 to 3937.411, 3937.46, 3937.47, 3955.01 to 3955.19, 3999.21, 4123.28, 4123.54 to 4123.58, 4123.66, 4123.74, 4123.84 and 4509.06 to 4509.72, with Administrative Code rules 3901-1-18 (Ohio fair plan) and 3901-1-54 (unfair property and casualty claims settlement practices). Each question names its section and links to it. The topics follow the Ohio Property and Casualty Insurance Agent outline, Series 11-36 (150 questions, 2.5 hours), in the Insurance License Examination Candidate Information Bulletin updated March 24, 2026, which prints Revised Code sections beside its topics (https://test-takers.psiexams.com/api/content/bulletin/5490); the Ohio Department of Insurance links the bulletin from its agent education page, https://insurance.ohio.gov/agents-and-agencies/agent-education/03-agent-education-overview. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Ohio property and casualty insurance study guide teaches the state law of the agent exam, Series 11-36, in 107 questions from the Ohio Revised Code. Policy forms are not asked. Not affiliated with the Ohio Department of Insurance.
Read the full guide
Where Ohio law sits in the exam outline
Insurance Regulation is 10 percent, and Ohio law is named inside other sections too: required provisions under property and casualty basics, auto laws, workers' compensation laws and residual markets. The outline prints the section beside each topic, and the groups here follow it.
Ohio rules worth knowing cold
Uninsured motorist coverage is optional (ORC 3937.18). A total fire loss pays the whole amount of the policy (3929.25). Insurers must include mine subsidence coverage in 26 named counties and offer it in 11 more (3929.56). Workers' compensation premium goes to the state insurance fund (4123.35).
Claims: acknowledge within 15 days, accept or deny within 21 days of proof of loss, pay within 10 days of acceptance (OAC 3901-1-54).
Guaranty association: up to $300,000 a claim and $10,000 of unearned premium; claims of $100 or less are not covered (ORC 3955.01).
Questions and answers
How many questions are on the Ohio property and casualty exam?
The Ohio Property and Casualty Insurance Agent exam, Series 11-36, has 150 questions and a 2.5-hour limit, by the candidate bulletin updated March 24, 2026. The minimum passing score is 70 percent.
What are Ohio's minimum auto liability limits?
ORC 4509.51 requires $25,000 for bodily injury to or death of one person, $50,000 for two or more persons in one accident, and $25,000 for injury to the property of others.
How much notice must an Ohio insurer give to cancel an auto policy?
At least thirty days after the date of the notice, or ten days from mailing when the reason is nonpayment of premium (ORC 3937.32). A notice not to renew is mailed at least thirty days before expiration (3937.34).
Is this Ohio property and casualty study guide free?
Yes. Every question is open, and your answers stay in your browser. The questions are our own, and the Ohio Department of Insurance has not reviewed them.