Free Ohio Property & Casualty Practice Exam 2026

Ohio property and casualty insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. An Ohio firefighter has an accident while driving a fire truck on duty. Her personal auto insurer may not use that accident to:

   • A.Reduce her medical payments
   • B.Raise her rate or nonrenew her
   • C.Report it to the state BMV
   • D.Deny a claim on her own car

   Answer: B. ORC 3937.41(B) bars an insurer from refusing, surcharging, canceling or nonrenewing a private auto policy because the applicant was in an accident while performing official duties as a firefighter, law enforcement officer, ambulance or emergency vehicle operator and certain other public workers, unless the person is convicted of OVI in it.

2. 2. A commercial crime policy written on a discovery form covers losses that are:

   • A.Sustained during the policy period and reported within 24 hours
   • B.Caused only by outsiders
   • C.Reported to police within one business day
   • D.Discovered during the policy period

   Answer: D. The discovery form responds to losses discovered during the policy period or the extended discovery period, regardless of when they occurred, even if they began years earlier. The loss sustained form requires the loss to occur during the policy period.

3. 3. Another state charges Ohio insurers doing business there a higher fee than Ohio charges. Under Ohio's retaliatory law, that state's insurers doing business in Ohio:

   • A.Pay the same higher fee in Ohio
   • B.Pay Ohio's normal, lower fee
   • C.Are barred from doing business in Ohio
   • D.Pay double Ohio's normal fee

   Answer: A. ORC 3901.86 imposes on insurers from another state the same taxes, fees, deposits and other obligations that state imposes on Ohio insurers doing business there. The aim is to discourage states from burdening out-of-state insurers.

4. 4. A fire badly damages an Ohio house inside a township, and the claim exceeds $5,000. Before paying, the insurer must receive:

   • A.A signed demolition contract
   • B.The mortgage lender's release
   • C.A county treasurer's tax certificate
   • D.A fire marshal's arson clearance

   Answer: C. ORC 3929.86 bars paying such a fire claim until the named insured furnishes the county treasurer's certificate of delinquent taxes and demolition costs. Where the township or city has adopted the demolition fund procedure and the agreed loss is 60 percent or more of all fire limits, part of the proceeds is also held to secure or remove the building.

5. 5. An Ohio worker injures a shoulder on the job. Unless an exception applies, the claim is forever barred if notice is not made within:

   • A.Six months after the injury
   • B.Two years after the injury
   • C.One year after the injury
   • D.Three years after the injury

   Answer: C. ORC 4123.84(A) bars a claim for an injured body part unless, within one year after the injury or death, written notice is made to the Industrial Commission or BWC or another listed event occurs, such as the employer paying wages in lieu of compensation.

6. 6. A producer convinces a client to replace an existing policy by misrepresenting the current coverage. This unethical practice is called:

   • A.Twisting
   • B.Defamation
   • C.Rebating
   • D.Coercion

   Answer: A. Twisting is inducing replacement through misrepresentation. Rebating is returning part of the commission to the buyer, and coercion is forcing a purchase, such as tying insurance to a loan.