CISR-Personal Auto Exposures Questions with Correct Answers 2025

CISR-Personal Auto Exposures Questions
with Correct Answers 2025
vehicleGownershipG-GCORRECTGANSWERG-
1.GIndividualsGwhoGareGrelatedGandGliveGinGtheGsameGhousehold

2.GJointGownershipGwithGoneGownerGlivingGoutsideGhousehold

3.GindividualsGwhoGareGnotGrelatedGandGliveGinGtheGsameGhousehold

4.GvehiclesGownedGbyGaGtrustGwhereGtheGgrantor/trusteeGisGanGindividual,GindividualGandGspouse



VehicleGandGvehicleGusageG-GCORRECTGANSWERG-
PrivateGpassengerGautosGwhichGincludeGpickupsGorGvans;G1.GautoGisG4-wheelGmotorGvehicle

2.GmayGnotGbeGusedGforGpublicGorGliveryGconveyanceGi.e.Gtaxi,GrideshareGlikeGUberGorGLyft,Getc.

3.GmayGnotGbeGrentedGtoGothers

4.GpickupGcannotGbeGoverG10KGlbs

5.GNotGusedGtoGdeliverGorGtransportGgoodsGorGmaterialsGunlessGitGisGincidentalGtoGtheGinsured'sGbu
siness,Gi.e.Gplumber,Gelectrician

6.GitGcanGbeGfarmGorGranchGvehicle



TrailersGandGMiscellaneousGvehiclesG-GCORRECTGANSWERG-
1.GownedGtrailersGareGcoveredGforGliabilityGandGmustGbeGlistedGcomp/collG

2.GMiscellaneousGvehiclesGcanGbeGendorsedGtoGtheGISOGpolG(checkGunderwritingGguidelinesGofGinsG
coGorGpreferablyGwriteGthemGonGtheirGownGpol)



WhoGisGanGinsuredGwithGtheGbestGcoverageG"YouGandGYour"G-GCORRECTGANSWERG-
1)GYouG&GyoursG(thoseGnamedGinGtheGdeclarationGpage,Gi.e.GindividualGandGspouse,GtwoGpeopleGth
atGliveGinGtheGsameGhousehold

2)GyouGandGyoursGincludesGspouseGevenGwhenGnotGnamedGinGtheGdecGpageGprovidedGtheyGliveGtog
ether

3)GwhenGtheGspouseGisGnoGlongerGaGresident,Ghe/sheGhasG90GdaysGasGaG"you",GorGtheyGstopGbeingGa
G"you"GwhenGtheyGgetGtheirGownGpol,GorGtheGdateGofGpolGexpires

, WhatGisGbodilyGinjury?G-GCORRECTGANSWERG-
BodilyGharm,Gsickness,Gdisease,GincludingGresultingGdeath;

PainGandGsuffering,GmentalGanguish,Gdisfigurement,GlossGofGincome,GlossGofGaGrelationship,GlossGof

services,Getc.,GresultingGfromGtheGbodilyGharm,Gsickness,Gdisease,GorGdeathGareGalsoGconsidered

"bodilyGinjury"



WhatGisGaG"FamilyGMember"GinGtheGISOGpolicyGforGcoverageGpurposes?G-GCORRECTGANSWERG-
1)GRelatedGtoGaGyouGbyGblood,GmarriageGorGadoptionG(includesGaGwardGorGfosterGchild);

andG

2)GAGresidentGofGtheGsameGhouseholdGasGaGyou

note:GIndividualsGmeetingGtheseGtwoGrequirementsGareGaG"familyGmember".GItGdoesn'tGmatterGth
eirGage

orGwhetherGorGnotGtheyGevenGhaveGaGdrivers'Glicense.



Non-bloodGrelatedGfamilyGmemberGinGtheGsameGhouseholdG-GCORRECTGANSWERG-
addGtoGpolicyGbyG"residentGendorsement"GsoGhe/sheGisGtreatedGasGaG"familyGmember"GunderGtheG
policy;GifGtheGpersonGmoves,GonlyG30GdaysGasG"familyGmember"



"Trailer"GdefinedGinGISOGpolicyG-GCORRECTGANSWERG-
VehicleGdesignedGtoGbeGpulledGbyGaGprivateGpassengerGauto,GpickupGorGvanGsuchGasGaGboatGtrailer,

campingGtrailer,GhorseGtrailer,GutilityGtrailer,Getc.GItGincludesGaGfarmGwagonGorGfarmGimplement

whileGtowedGbyGaGprivateGpassengerGauto,GpickupGorGvan.



"YourGCoveredGAuto"GdefinedGbyGISOGPolG-GCORRECTGANSWERG-
ThereGareG4GcategoriesGofGvehiclesGthatGmakeGupGtheGdefinitionGofGaG"YourGCoveredGAuto".GWhile

theseGvehiclesGareGnotGtheGonlyGonesGprovidedGcoverage,GtheyGareGprovidedGtheGbroadestGcovera
ge.