An insurer is found in court to have committed repeated unfair trade practices in a single sales campaign. Under ORC 3901.22(F)(1), the court's civil penalty structure is:

Why C is correct

ORC 3901.22(F)(1) authorizes courts to impose civil penalties of up to $3,500 per violation of the unfair-practice provisions, with aggregate penalties capped at $35,000 in any 6-month period. A series of similar acts that are not separate sales transactions counts as a single violation, so one uniform sales campaign typically yields one violation, not one per customer.

Why the other options are wrong

• A) $25,000 per violation is the Superintendent's administrative penalty under ORC 3905.14(E)(1); it is not the court remedy for unfair trade practices.
• B) $10,000 per violation is the court penalty for violating a cease-and-desist order under ORC 3901.22(F)(2), and the $100,000 figure belongs to a different administrative remedy altogether.
• D) $35,000 is the aggregate cap in any 6-month period, not a per-violation amount, and the statute does not leave the aggregate uncapped.

Memory hook

Court penalties for unfair practices: 3,500 a hit, 35,000 a half-year.