Ohio Casualty Insurance Practice Questions
12 sample questions written from the Ohio exam outline, with answers and explanations. The first two are open. Enter your email to see the other ten.
Ohio tests Property and Casualty together on Series 11-36: 150 questions in 2.5 hours. You need 70% to pass. How to get the Ohio Casualty license →
Try two questions
1. Ben does not own a car, but he often rents and borrows cars. Which policy gives him personal auto liability coverage in his own name?
- A. A named nonowner policy
- B. A business auto policy
- C. A homeowners policy
- D. A garage policy
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Answer: A. A named nonowner policy
A named nonowner policy gives liability coverage, and often medical payments and uninsured motorists coverage, to a person who drives but owns no auto.
2. A company's ad says its deck paint lasts 20 years, but it peels in two. Customers sue over the false quality claim. Under commercial general liability Coverage B, this claim is:
- A. Covered under Coverage A, because customers suffered property damage
- B. Excluded, because failing to meet advertised quality or performance is excluded
- C. Covered only if the ad ran on television or the internet
- D. Covered, because false statements in an advertisement are advertising injury
Show answer
Answer: B. Excluded, because failing to meet advertised quality or performance is excluded
Coverage B excludes claims that goods or services did not live up to quality or performance claims made in the insured's advertising.
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3. A business sells its old building. The buyer later sues the seller for damage to the building caused by a hidden problem. Under the seller's commercial general liability policy, the damage to the building itself is:
- A. Covered under Coverage B, because the buyer was misled
- B. Covered only if the sale closed within the past year
- C. Excluded, because damage to premises the insured sold, gave away or abandoned is excluded
- D. Covered under Coverage A, because the buyer suffered property damage
Answer: C. Excluded, because damage to premises the insured sold, gave away or abandoned is excluded
The commercial general liability policy excludes property damage to premises the insured sells, gives away or abandons when the damage arises from those premises.
4. While helping at a church fundraiser, a volunteer drops a heavy box on a visitor's foot. Under the church's commercial general liability policy, the volunteer is:
- A. An insured only if he is an officer
- B. An insured only for medical payments
- C. Never an insured, because he is not paid
- D. An insured while doing duties for the church
Answer: D. An insured while doing duties for the church
The commercial general liability policy treats volunteer workers as insureds while they perform duties related to the named insured's business.
5. Kim causes a crash, and her own laptop on the back seat is destroyed. Under her personal auto policy liability coverage, the laptop damage is:
- A. Covered after the collision deductible is subtracted
- B. Not covered, because damage to property the insured owns or carries is excluded
- C. Covered only if the other driver was partly at fault
- D. Covered up to the property damage limit, because the insured caused the crash
Answer: B. Not covered, because damage to property the insured owns or carries is excluded
Liability coverage pays for damage to other people's property. Property owned by or being transported by an insured is excluded.
6. Ray's insurer offers to renew his personal auto policy, but he does not pay the renewal premium. What happens to the policy?
- A. It continues for 60 more days
- B. It renews, and the insurer bills him later
- C. It automatically ends at the end of the current policy period
- D. It turns into a named nonowner policy
Answer: C. It automatically ends at the end of the current policy period
Not paying the renewal premium means the insured did not accept the renewal offer. The policy ends automatically when the current term ends.
7. An adult trespasser is hurt while crossing a fenced lot without permission. In general, the property owner's duty to the trespasser is to:
- A. Warn of every possible hazard
- B. Make the property completely safe
- C. Pay all medical bills regardless of fault
- D. Avoid willful or wanton injury
Answer: D. Avoid willful or wanton injury
Owners owe the least care to trespassers. They generally must only avoid harming them on purpose or through reckless conduct.
8. A court finds that a defendant violated the plaintiff's legal rights, but the plaintiff had no real loss. The court awards $1. This award is:
- A. Nominal damages
- B. General damages
- C. Punitive damages
- D. Special damages
Answer: A. Nominal damages
Nominal damages are a small amount awarded to show a legal wrong occurred when there was no measurable loss.
9. A toaster sold by a store does not work for the ordinary purpose of a toaster and causes a fire. The buyer may sue for breach of the:
- A. Doctrine of assumption of risk
- B. Last clear chance doctrine
- C. Implied warranty of merchantability
- D. Exclusive remedy rule
Answer: C. Implied warranty of merchantability
Products sold are implied to be fit for their ordinary purpose. A product that is not fit breaches this warranty and can create product liability.
10. Lena drives her own car to deliver food for a charity and causes a crash. The charity is sued. Under Lena's personal auto policy, the charity:
- A. Is not an insured, because only family members are insureds
- B. Is an insured for any auto it owns
- C. Is covered only under its own policy
- D. Is an insured, but only for its legal responsibility for Lena's acts
Answer: D. Is an insured, but only for its legal responsibility for Lena's acts
The personal auto policy covers any person or organization for its legal responsibility for the acts of a person covered while using the covered auto.
11. A repair shop wants customers' cars covered for damage while in its care, even when the shop is not legally liable and without the customer's own insurance paying first. Which garagekeepers option fits?
- A. Direct primary
- B. Direct excess
- C. Legal liability
- D. Drive other car
Answer: A. Direct primary
Direct primary garagekeepers coverage pays for damage to customers' cars regardless of fault and before any other insurance.
12. To be covered under a personal auto policy, a pickup truck used for personal driving must have a gross vehicle weight rating of no more than:
- A. 4,000 pounds
- B. 10,000 pounds
- C. 26,000 pounds
- D. 6,000 pounds
Answer: B. 10,000 pounds
The personal auto policy covers pickups and vans with a gross vehicle weight rating of 10,000 pounds or less. They generally cannot be used to deliver or haul goods, with exceptions for farming, ranching and some trades work.
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These are original questions written from the published exam outline. They are not taken from the state exam.
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