State RegulationsOH specificDifficulty 3/5
An Ohio producer receives a written inquiry from the Ohio Department of Insurance about disputed premium refunds. She telephones the analyst to discuss the matter but never sends any written reply. Under ORC 3905.14(B)(21), what is the consequence?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3905.14(B)(21) demands a written response within 21 calendar days of the Department's written inquiry. A telephone conversation, however cordial, does not satisfy the statutory requirement, so the producer who never reduces her reply to writing is exposed to discipline even though she engaged with the analyst.
Why the other options are wrong
- A) Oral discussion does not substitute; ORC 3905.14(B)(21) specifies a written response.
- B) The duty applies to any licensee who receives the inquiry, including producers; it is not limited to insurers.
- D) The statute imposes no penalty tied to the amount of a disputed refund; the exposure is disciplinary, not damages-based.
Memory hook
Talk is cheap — the Department wants it in writing, in 21 days.