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OHIO PROPERTY AND CASUALTY EXAM
2025| ACTUAL EXAM WITH ANSWERS
If an insured is injured while driving his own car, what coverage in his personal
auto policy will pay for the loss? - CORRECT-ANSWER-Part B: Medical Payments
What are the 4 categories of uninsured motor vehicles? - CORRECT-ANSWER-1.
No insurance or liability bond 2. Insurance is less than what's required 3. A hit-
and-run accident where the driver cannot be identified 4.The insurer denies
coverage or becomes insolvent
What are the coverage forms used in commercial auto insurance? - CORRECT-
ANSWER-Business Auto Coverage Form, Business Auto Physical Damage Coverage
Form, Garage Coverage Form, and Motor Carrier Coverage Form
When does the underinsured motorist coverage apply? - CORRECT-ANSWER-
When the motorist is at fault in an accident, but the limits of his/her auto
insurance are not sufficient to cover the bodily injury to another motorist.
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In Personal Auto Policy, to what geographical region does the out-of-state
coverage apply? - CORRECT-ANSWER-Any U.S. state or territory
What are the 2 parts of the Garage Liability Coverage? - CORRECT-ANSWER-
Garage Operations-Covered Autos, and Garage Operations - Other than covered
autos
If an auto policy has split limits of 30/50/25, what is the maximum amount the
policy will pay for injuries to one person in a single accident? - CORRECT-
ANSWER-$30,000
What losses are excluded from coverage in the liability section of the Personal
Auto Policy? - CORRECT-ANSWER-Intentional Injury or damage, damage to
property owned or transported by the insured, use of a vehicle as a public
convenience, or use of a vehicle without permission.
What is the limit of liability in part D: Coverage for damage to your auto? -
CORRECT-ANSWER-The lesser of the actual cash value of the vehicle or the
amount needed to repair or replace the vehicle
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How does the Auto Medical Payments Coverage endorsement modify the auto
policy? - CORRECT-ANSWER-It adds medical payment coverage to a commercial
auto policy.
What type of auto coverage will apply in a hit-and-run accident where the driver
cannot be identified? - CORRECT-ANSWER-Uninsured motorist
What personal Auto coverage would pay for damages to a covered auto caused
by a Collison with a deer? - CORRECT-ANSWER-Other than collision
(Comprehensive)
Who is considered insured under Part A: Liability of a personal auto policy? -
CORRECT-ANSWER-The vehicle owner or his/her family member, or any person
using the covered auto with permission
Who does the Garage Coverage form insure? - CORRECT-ANSWER-Auto dealers,
service stations, auto repair shops
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If an auto policy has split limits of 30/50/25, how much will the policy pay for
property damage in a single accident? - CORRECT-ANSWER-$25,000
What are the coverage parts that may be included in a Commercial Package
Policy? - CORRECT-ANSWER-Commercial Property, general liability, crime,
equipment breakdown, auto, inland marine, and farm
What is the limit that the insurer will pay for all losses that occur during a policy
period? - CORRECT-ANSWER-Aggregate limit
What type of perils are covered by the advertising injury form? - CORRECT-
ANSWER-Libel, Slander, defamation, violation of privacy, infringement of
copyright or titles
When other insurance is written on the same basis as a Commercial Property
policy, what is the insurer obligated to cover? - CORRECT-ANSWER-A share of the
loss
What is the name for policy endorsements that may apply to more than one
coverage part? - CORRECT-ANSWER-Interline Endorsements
OHIO PROPERTY AND CASUALTY EXAM
2025| ACTUAL EXAM WITH ANSWERS
If an insured is injured while driving his own car, what coverage in his personal
auto policy will pay for the loss? - CORRECT-ANSWER-Part B: Medical Payments
What are the 4 categories of uninsured motor vehicles? - CORRECT-ANSWER-1.
No insurance or liability bond 2. Insurance is less than what's required 3. A hit-
and-run accident where the driver cannot be identified 4.The insurer denies
coverage or becomes insolvent
What are the coverage forms used in commercial auto insurance? - CORRECT-
ANSWER-Business Auto Coverage Form, Business Auto Physical Damage Coverage
Form, Garage Coverage Form, and Motor Carrier Coverage Form
When does the underinsured motorist coverage apply? - CORRECT-ANSWER-
When the motorist is at fault in an accident, but the limits of his/her auto
insurance are not sufficient to cover the bodily injury to another motorist.
,2|Page
In Personal Auto Policy, to what geographical region does the out-of-state
coverage apply? - CORRECT-ANSWER-Any U.S. state or territory
What are the 2 parts of the Garage Liability Coverage? - CORRECT-ANSWER-
Garage Operations-Covered Autos, and Garage Operations - Other than covered
autos
If an auto policy has split limits of 30/50/25, what is the maximum amount the
policy will pay for injuries to one person in a single accident? - CORRECT-
ANSWER-$30,000
What losses are excluded from coverage in the liability section of the Personal
Auto Policy? - CORRECT-ANSWER-Intentional Injury or damage, damage to
property owned or transported by the insured, use of a vehicle as a public
convenience, or use of a vehicle without permission.
What is the limit of liability in part D: Coverage for damage to your auto? -
CORRECT-ANSWER-The lesser of the actual cash value of the vehicle or the
amount needed to repair or replace the vehicle
,3|Page
How does the Auto Medical Payments Coverage endorsement modify the auto
policy? - CORRECT-ANSWER-It adds medical payment coverage to a commercial
auto policy.
What type of auto coverage will apply in a hit-and-run accident where the driver
cannot be identified? - CORRECT-ANSWER-Uninsured motorist
What personal Auto coverage would pay for damages to a covered auto caused
by a Collison with a deer? - CORRECT-ANSWER-Other than collision
(Comprehensive)
Who is considered insured under Part A: Liability of a personal auto policy? -
CORRECT-ANSWER-The vehicle owner or his/her family member, or any person
using the covered auto with permission
Who does the Garage Coverage form insure? - CORRECT-ANSWER-Auto dealers,
service stations, auto repair shops
, 4|Page
If an auto policy has split limits of 30/50/25, how much will the policy pay for
property damage in a single accident? - CORRECT-ANSWER-$25,000
What are the coverage parts that may be included in a Commercial Package
Policy? - CORRECT-ANSWER-Commercial Property, general liability, crime,
equipment breakdown, auto, inland marine, and farm
What is the limit that the insurer will pay for all losses that occur during a policy
period? - CORRECT-ANSWER-Aggregate limit
What type of perils are covered by the advertising injury form? - CORRECT-
ANSWER-Libel, Slander, defamation, violation of privacy, infringement of
copyright or titles
When other insurance is written on the same basis as a Commercial Property
policy, what is the insurer obligated to cover? - CORRECT-ANSWER-A share of the
loss
What is the name for policy endorsements that may apply to more than one
coverage part? - CORRECT-ANSWER-Interline Endorsements
