Ohio Property & Casualty Insurance License Exam — All Questions

What are Ohio's minimum bodily-injury auto liability limits?

• a.$15,000 per person / $30,000 per accident
• b.$25,000 per person / $50,000 per accident✓
• c.$50,000 per person / $100,000 per accident
• d.$30,000 per person / $60,000 per accident

Under Ohio Revised Code 4509.51, the minimum bodily-injury limits are $25,000 per person and $50,000 per accident (25/50), with a separate $25,000 property-damage minimum. Because minimums can change, verify current figures with the Ohio Department of Insurance.

What is Ohio's minimum property-damage liability limit for an auto policy?

• a.$10,000 per accident
• b.$25,000 per accident✓
• c.$50,000 per accident
• d.Ohio has no property-damage minimum

Ohio Revised Code 4509.51 sets the minimum property-damage liability limit at $25,000 per accident, alongside the 25/50 bodily-injury minimums (25/50/25). Verify current figures with the Ohio Department of Insurance.

How is Ohio's auto insurance system best characterized with respect to the right to sue?

• a.A no-fault state that restricts auto injury lawsuits
• b.An add-on PIP state with mandatory first-party benefits
• c.A tort ('at-fault') state in which the injured party keeps the right to sue the at-fault driver✓
• d.A state with no financial-responsibility requirement

Ohio is a tort, or at-fault, state: it does not mandate no-fault PIP, so an injured person keeps the right to sue the at-fault driver for damages. Compulsory liability coverage still applies under Ohio's financial-responsibility law. Confirm current requirements with the Ohio Department of Insurance.