State RegulationsOH specificDifficulty 1/5
An investigative consumer (inspection) report used in Ohio insurance underwriting is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An investigative consumer report is a third-party report built from personal interviews with people who know the applicant, addressing character, reputation, habits, and mode of living rather than medical facts. Ohio's information-privacy framework in ORC 3904 governs how such a report may be ordered and used, and it is only one of several permissible underwriting sources.
Why the other options are wrong
- B) A sworn medical history is the medical section of the application itself, not an inspection report.
- C) A physician's summary of treatment records is an attending physician statement, a separate underwriting source.
- D) The producer's observations and notes are the agent report, which is distinct from a third-party inspection report.
Memory hook
Neighbors talk; that is the inspection report.