PLOhioeasy
Which statement most accurately describes Ohio's private passenger auto liability regime?
AOhio is a pure no-fault state with mandatory PIP for all drivers
BOhio uses a choice no-fault model where insureds elect between PIP and tort
COhio requires PIP only for commercial auto policies
Ohio is an at-fault tort state and does not require PIP coverage
Why this is the answer
Ohio operates under a traditional at-fault tort system codified in R.C. Chapter 4509. There is no statutory PIP/no-fault scheme; an injured party seeks recovery from the at-fault driver's liability insurer. Med Pay is available only as optional first-party coverage.
Studying for the Ohio Personal Lines exam?
This question comes from our PL bank. Take a free practice test — no signup.