PLOhiohard
A licensed Ohio P&C producer accepts a personal auto application that was actually solicited by an unlicensed neighbor in exchange for a referral cut. Which Ohio statute is most directly implicated?
R.C. 3905.14 — accepting business from a person required to be licensed but who is not
BR.C. 4509.20 — minimum auto liability limits that satisfy proof of financial responsibility
CR.C. 3937.18 — UM/UIM offer doctrine
DR.C. 2315.21 — punitive damages cap
Why this is the answer
Under R.C. 3905.14(B), ODI may suspend or revoke a producer's license when the producer knowingly accepts insurance business from a person who is required to be licensed but is not. The neighbor, for his part, violated R.C. 3905.02, which bars anyone from selling, soliciting, or negotiating insurance without a license. The other choices are substantive coverage or damages statutes unrelated to producer discipline.
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