Ohio Driver License: Insurance, OVI, Points and Child Seats

28 questions with the correct answer and an explanation for each. Topic: Insurance, OVI, Points and Child Seats. Free, no account needed.

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1. A driver is involved in a crash that causes $350 in property damage and no injuries. Under Ohio's financial responsibility law, does this specific crash trigger a requirement to show proof of insurance?

  1. Yes, proof is required after any crash regardless of damage amount
  2. No, that requirement is triggered only by crashes involving an injury
  3. No, a crash triggers that requirement only when property damage is more than $400
  4. Yes, but only because a citation was also issued

Answer: C — No, a crash triggers that requirement only when property damage is more than $400

The proof-of-insurance requirement after a crash is tied to property damage exceeding $400, and this crash falls below that threshold.

2. A driver carrying the state minimum liability coverage causes a crash that injures one other person. What is the minimum amount of coverage available for that injury?

  1. $50,000
  2. $30,000
  3. $100,000
  4. $25,000

Answer: D — $25,000

Minimum liability coverage for injury or death of one person is $25,000.

3. A driver carrying the state minimum liability coverage causes a crash that injures three other people. What is the minimum total liability coverage for injury or death in that crash?

  1. $50,000
  2. $100,000
  3. $75,000
  4. $25,000

Answer: A — $50,000

Minimum liability coverage for injury or death of two or more people is $50,000.

4. A driver wants to satisfy the financial responsibility requirement without buying an insurance policy, by posting a certificate of deposit with the State Treasurer at the minimum required amount. How much must that certificate of deposit be?

  1. $30,000
  2. $60,000
  3. $25,000
  4. $50,000

Answer: A — $30,000

The certificate-of-deposit alternative to insurance must be $30,000.

5. A trucking company owns 40 vehicles and wants to cover them without buying an individual insurance policy for each one. Which financial responsibility option does the number of vehicles owned make available?

  1. A high-risk insurance filing
  2. A $30,000 certificate of deposit
  3. A certificate of self-insurance
  4. A personal bond of $25,000 per vehicle

Answer: C — A certificate of self-insurance

Owning more than 25 vehicles qualifies an owner to file a certificate of self-insurance instead of buying policies.

6. A driver accumulates 14 points on their driving record within a two-year period. Under Ohio's financial responsibility law, what must this driver file?

  1. A sworn statement of future compliance only
  2. A $30,000 certificate of deposit
  3. A certificate of self-insurance
  4. Proof of high-risk insurance

Answer: D — Proof of high-risk insurance

Drivers with 12 or more points in two years must file proof of high-risk insurance.

7. What is the minimum legal age to drink alcohol?

  1. 18
  2. 20
  3. 21
  4. 19

Answer: C — 21

The legal drinking age is 21.

8. A driver over 21 who is not operating a commercial vehicle is stopped and tested. At what blood-alcohol concentration is that driver considered legally impaired?

  1. .10 percent
  2. .04 percent
  3. .08 percent
  4. .02 percent

Answer: C — .08 percent

It is illegal to drive at .08 percent or more at any age for non-commercial drivers.

9. A commercial truck driver is pulled over and given a breath test. What is the lowest blood-alcohol concentration at which that driver is over the legal limit?

  1. .04 percent
  2. .10 percent
  3. .08 percent
  4. .02 percent

Answer: A — .04 percent

Commercial drivers are held to a lower limit of .04 percent.

10. A 19-year-old driver is stopped and tested for alcohol. What is the lowest blood-alcohol concentration at which that driver is over the legal limit?

  1. .04 percent
  2. .00 percent
  3. .02 percent
  4. .08 percent

Answer: C — .02 percent

Drivers under 21 are held to a .02 percent limit.

11. An officer suspects a driver is impaired and requests a chemical test. Which of the following is not one of the sample types that may be used for that test?

  1. Plasma
  2. Urine
  3. Breath
  4. Saliva

Answer: D — Saliva

The accepted chemical test samples are blood, breath, plasma, or urine; saliva is not listed.

12. A driver is arrested on suspicion of OVI. Within what time frame must a chemical test showing .08 or more be given for the automatic license suspension to take effect immediately?

  1. Four hours
  2. One hour
  3. Two hours
  4. Six hours

Answer: C — Two hours

A chemical test within two hours of arrest showing .08 or more triggers the on-the-spot suspension.

13. A driver refuses a chemical test after an OVI arrest, and the license is suspended immediately. The driver is later acquitted of the OVI charge in court. What happens to the suspension?

  1. It converts to a warning letter
  2. It is reduced to 90 days
  3. It stands even though the driver was acquitted
  4. It is automatically reversed upon acquittal

Answer: C — It stands even though the driver was acquitted

The refusal-based suspension stands regardless of the outcome of the OVI charge.

14. A driver refuses a chemical test after an OVI arrest and has no prior refusals or OVI convictions in the past 10 years. How long is the resulting license suspension?

  1. Two years
  2. 90 days
  3. Five years
  4. One year

Answer: D — One year

A first refusal within 10 years carries a one-year suspension.

15. A driver takes a chemical test after an OVI arrest and has no prior OVI convictions in the past 10 years. How long is the suspension for testing over the limit?

  1. Two years
  2. One year
  3. 90 days
  4. Six months

Answer: C — 90 days

A first offense for testing over the limit carries a 90-day suspension.

16. A driver is arrested for OVI, tests over the limit, and already has three prior OVI convictions within the past 10 years. How long is the license suspension for this offense?

  1. One year
  2. Two years
  3. Five years
  4. Three years

Answer: D — Three years

Testing over the limit with three or more prior OVI convictions within 10 years carries a three-year suspension.

17. A driver has been convicted of OVI five times within a 20-year period. Besides jail time and possible vehicle immobilization or forfeiture, what additional consequence applies?

  1. Loss of insurance eligibility statewide
  2. Placement on the Habitual OVI Offender Registry
  3. Mandatory ignition interlock for life
  4. An automatic $1,000 fine only

Answer: B — Placement on the Habitual OVI Offender Registry

Five or more OVI convictions in 20 years results in placement on the Habitual OVI Offender Registry.

18. A 19-year-old driver is convicted of driving after consuming alcohol underage. What is the range of the license suspension they face?

  1. Three months to two years
  2. 90 days to one year
  3. Six months to three years
  4. One to five years

Answer: A — Three months to two years

OVUAC carries a suspension of three months to two years.

19. A driver accumulates 6 points on their driving record within a two-year period. What does this trigger?

  1. A requirement to file an SR-22
  2. A warning letter from the BMV
  3. A mandatory remedial driving course
  4. An automatic 12-point suspension

Answer: B — A warning letter from the BMV

Six points in two years brings a warning letter from the BMV, short of the 12-point suspension.

20. A driver accumulates 13 points within a two-year period and receives a 12-point suspension. Besides fees, what else must the driver complete to be reinstated?

  1. A new TIPIC only
  2. A remedial driving course and an SR-22 filing
  3. A one-year waiting period with no other requirements
  4. A juvenile driver improvement program

Answer: B — A remedial driving course and an SR-22 filing

Reinstatement after a 12-point suspension requires a remedial driving course, an SR-22 filing, and fees.

21. A driver reinstating a license after a 12-point suspension is told to file an SR-22. What is an SR-22?

  1. A criminal background check performed by the BMV
  2. A certificate from the driver's insurer proving minimum coverage
  3. A separate high-risk insurance policy required only for repeat offenders
  4. A bond posted directly with the State Treasurer

Answer: B — A certificate from the driver's insurer proving minimum coverage

An SR-22 is a certificate from the driver's insurer proving minimum coverage, not a separate kind of insurance.

22. A driver leaves the scene of a crash without stopping to identify themselves. How many points does this add to their driving record?

  1. 4
  2. 2
  3. 12
  4. 6

Answer: D — 6

Failing to stop and identify yourself after a crash carries 6 points.

23. A probationary driver under 18 commits a third moving violation. What suspension results?

  1. Two years
  2. One year
  3. Three months
  4. Six months

Answer: B — One year

A third moving violation for a probationary driver under 18 brings a one-year suspension.

24. A driver is caught operating a vehicle while their license is under suspension. What penalty applies?

  1. An automatic 12-point suspension only
  2. A minor misdemeanor with no suspension increase
  3. A second-degree misdemeanor with a $500 fine
  4. A first-degree misdemeanor with up to a $1,000 fine and an added one-year suspension

Answer: D — A first-degree misdemeanor with up to a $1,000 fine and an added one-year suspension

Driving under suspension is a first-degree misdemeanor with up to a $1,000 fine and an added one-year suspension.

25. A group of teenagers wants to ride on the outside of a moving pickup truck by hanging onto the truck bed rails. Is this allowed?

  1. Yes, if they are over age 16
  2. No, no one may hang onto or ride on the outside of a moving vehicle
  3. Yes, if the driver gives permission
  4. Yes, as long as the truck stays under 25 mph

Answer: B — No, no one may hang onto or ride on the outside of a moving vehicle

No one may hang onto or ride on the outside of a moving vehicle, regardless of speed, permission, or age.

26. A trailer is carrying a 14-year-old in its open cargo area at 35 mph. Under which of these circumstances would this be allowed?

  1. The cargo area has a secured seat with a federal-standard seat belt
  2. A parent has given written permission
  3. The driver has a valid commercial license
  4. The trip is less than one mile

Answer: A — The cargo area has a secured seat with a federal-standard seat belt

The exception for carrying someone under 16 in an open cargo area above 25 mph applies only for a secured seat with a federal-standard belt, a life-threatening emergency, or public-agency maintenance workers.

27. A 6-year-old child weighs 45 pounds and is 4 feet 2 inches tall. What is required for this child while riding in a vehicle?

  1. A child safety seat
  2. No restraint is required at this age
  3. Just a safety belt
  4. A booster seat

Answer: D — A booster seat

A child at least 4 and 40 pounds but under 8 needs a booster seat unless at least 4 feet 9 inches tall, which this child is not.

28. A parent installs a rear-facing infant seat in a vehicle that has an active passenger air bag. Where must that seat never be placed?

  1. In the middle of the back seat
  2. In the back seat behind the driver
  3. In the front seat, in front of the active air bag
  4. In the back seat on the passenger side

Answer: C — In the front seat, in front of the active air bag

A rear-facing seat must never be placed in front of an active air bag.

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