CSR PROFESSIONAL PRACTICE EXAM 2026 –
100+ A+ VERIFIED QUESTIONS WITH 100%
CORRECT ANSWERS | CA LAWS,
TRANSCRIPTS, ETHICS, GRAND JURY, LATIN
TERMS, DEPOSITION RULES & MEDICAL
TERMINOLOGY
John is a recent homeowner and is considering the insurance coverages he needs for his
home and contents. If damaged by a peril covered by a homeowners policy, which one of
the following would be considered part of John's real property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment - answer-B. The detached garage
Which one of the following is considered real property?
Select one:
A. An automobile
B. A house
C. Furniture
D. A motorhome - answer-B. A house
All of the following could lead to a liability loss for a family, EXCEPT:
Select one:
A. The father trips on a broom he left lying in the driveway and breaks his arm.
B. The son, who is 13 years old, throws a rock at a classmate who requires stitches for an
injury to his head.
C. A guest slips on an icy sidewalk in front of the family's home and breaks his leg.
,D. The daughter, who is 16 years old, sideswipes a neighbor's car and dents its fender while
driving her own car. - answer-A. The father trips on a broom he left lying in the driveway and
breaks his arm.
Which one of the following is a form of compensatory damages?
Select one:
A. Real damages
B. Special damages
C. Punitive damages
D. Exemplary damages - answer-B. Special damages
Which one of the following is used by the majority of states to compensate auto accident
victims?
Select one:
A. Personal injury protection coverage
B. Tort liability system
C. Uninsured motorist coverage
D. Unsatisfied judgment funds - answer-B. Tort liability system
Which one of the following statements is true regarding automobile insurance rating?
Select one:
A. State regulators require that all insurers offer discounts on auto rates for passive
restraints.
B. Most insurers base automobile rates on primary rating factors and do not consider any
other factors in establishing rates.
C. State regulators require that rates be adequate, reasonable, and not unfairly
discriminatory.
D. Drivers with lower-than-average loss exposure are charged higher rates. - answer-C. State
regulators require that rates be adequate, reasonable, and not unfairly discriminatory.
,All of the following are true of the HO-3 Special Form, EXCEPT:
Select one:
A. The HO-3 is designed for owners who occupy their dwelling or choose to rent it.
B. The HO-3 meets the property and liability coverage needs of most families.
C. The HO-3 is typically used as a basis for understanding other HO coverage forms.
D. The HO-3 can be modified for special needs through available endorsements. - answer-A.
The HO-3 is designed for owners who occupy their dwelling or choose to rent it.
Estelle and Richie are very conservative and want to purchase insurance to "cover
everything" in order to lessen the worries of home ownership. Which one of the following
ISO forms will provide them dwelling and personal property insurance with the broadest
possible coverage?
Select one:
A. HO-2 Broad Form
B. HO-3 Special Form
C. HO-5 Comprehensive Form
D. HO-8 Modified Form - answer-C. HO-5 Comprehensive Form
The Agreement and Definitions page of the Personal Auto Policy (PAP) includes
Select one:
A. The name of the insurer issuing the policy.
B. A general agreement stating the insurer's duty to pay damages and defense costs subject
to the terms of the policy.
C. A general agreement stating that the insurer is providing the coverage subject to payment
of premium and to the terms of the policy.
D. The name and mailing address of the insured. - answer-C. A general agreement stating
that the insurer is providing the coverage subject to payment of premium and to the terms
of the policy.
In the Personal Auto Policy (PAP) definitions, "Your covered auto" includes all of the
following classes of vehicles, EXCEPT:
, Select one:
A. A trailer owned by the insured
B. A temporary substitute auto or trailer
C. A newly acquired auto
D. A trailer rented by the insured - answer-D. A trailer rented by the insured
Brendan and Sue were on a road trip along the coast of California, using Sue's car. One day
they were stuck in terrible traffic while Brendan was driving. He became angry when another
car merged in front of him. A few minutes later, Brendan deliberately rammed into the car
that had cut in front of him, causing property damage to the other car. Both Brendan and
Sure were surprised to learn that Sue's Personal Auto Policy (PAP) would not cover the claim.
Which one of the following is the correct reason why Sue's PAP will not pay the claim for
property damage to the other car?
Select one:
A. Because the Part A insuring agreement excludes intentional harm.
B. Because Sue's PAP only covers property damage to her car.
C. Because Brendan, not Sue, was driving the car.
D. Because Brendan's PAP should cover the claim. - answer-A. Because the Part A insuring
agreement excludes intentional harm.
Miguel, an insured has a Personal Auto Policy (PAP) that includes medical payments
coverage. The insured crashed his car while trying to be the first car to pull away from a stop
at a red light when the light turned green. In this scenario, Miguel
Select one:
A. Would be eligible for medical payments under the Personal Auto Policy (PAP) because he
wasn't caught speeding at the scene.
B. Would not be eligible for medical payments under the Personal Auto Policy (PAP) if he was
found at fault because of this accident.
C. Would be eligible for medical payments under the Personal Auto Policy (PAP) as the
named insured and an occupant of a covered auto.
100+ A+ VERIFIED QUESTIONS WITH 100%
CORRECT ANSWERS | CA LAWS,
TRANSCRIPTS, ETHICS, GRAND JURY, LATIN
TERMS, DEPOSITION RULES & MEDICAL
TERMINOLOGY
John is a recent homeowner and is considering the insurance coverages he needs for his
home and contents. If damaged by a peril covered by a homeowners policy, which one of
the following would be considered part of John's real property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment - answer-B. The detached garage
Which one of the following is considered real property?
Select one:
A. An automobile
B. A house
C. Furniture
D. A motorhome - answer-B. A house
All of the following could lead to a liability loss for a family, EXCEPT:
Select one:
A. The father trips on a broom he left lying in the driveway and breaks his arm.
B. The son, who is 13 years old, throws a rock at a classmate who requires stitches for an
injury to his head.
C. A guest slips on an icy sidewalk in front of the family's home and breaks his leg.
,D. The daughter, who is 16 years old, sideswipes a neighbor's car and dents its fender while
driving her own car. - answer-A. The father trips on a broom he left lying in the driveway and
breaks his arm.
Which one of the following is a form of compensatory damages?
Select one:
A. Real damages
B. Special damages
C. Punitive damages
D. Exemplary damages - answer-B. Special damages
Which one of the following is used by the majority of states to compensate auto accident
victims?
Select one:
A. Personal injury protection coverage
B. Tort liability system
C. Uninsured motorist coverage
D. Unsatisfied judgment funds - answer-B. Tort liability system
Which one of the following statements is true regarding automobile insurance rating?
Select one:
A. State regulators require that all insurers offer discounts on auto rates for passive
restraints.
B. Most insurers base automobile rates on primary rating factors and do not consider any
other factors in establishing rates.
C. State regulators require that rates be adequate, reasonable, and not unfairly
discriminatory.
D. Drivers with lower-than-average loss exposure are charged higher rates. - answer-C. State
regulators require that rates be adequate, reasonable, and not unfairly discriminatory.
,All of the following are true of the HO-3 Special Form, EXCEPT:
Select one:
A. The HO-3 is designed for owners who occupy their dwelling or choose to rent it.
B. The HO-3 meets the property and liability coverage needs of most families.
C. The HO-3 is typically used as a basis for understanding other HO coverage forms.
D. The HO-3 can be modified for special needs through available endorsements. - answer-A.
The HO-3 is designed for owners who occupy their dwelling or choose to rent it.
Estelle and Richie are very conservative and want to purchase insurance to "cover
everything" in order to lessen the worries of home ownership. Which one of the following
ISO forms will provide them dwelling and personal property insurance with the broadest
possible coverage?
Select one:
A. HO-2 Broad Form
B. HO-3 Special Form
C. HO-5 Comprehensive Form
D. HO-8 Modified Form - answer-C. HO-5 Comprehensive Form
The Agreement and Definitions page of the Personal Auto Policy (PAP) includes
Select one:
A. The name of the insurer issuing the policy.
B. A general agreement stating the insurer's duty to pay damages and defense costs subject
to the terms of the policy.
C. A general agreement stating that the insurer is providing the coverage subject to payment
of premium and to the terms of the policy.
D. The name and mailing address of the insured. - answer-C. A general agreement stating
that the insurer is providing the coverage subject to payment of premium and to the terms
of the policy.
In the Personal Auto Policy (PAP) definitions, "Your covered auto" includes all of the
following classes of vehicles, EXCEPT:
, Select one:
A. A trailer owned by the insured
B. A temporary substitute auto or trailer
C. A newly acquired auto
D. A trailer rented by the insured - answer-D. A trailer rented by the insured
Brendan and Sue were on a road trip along the coast of California, using Sue's car. One day
they were stuck in terrible traffic while Brendan was driving. He became angry when another
car merged in front of him. A few minutes later, Brendan deliberately rammed into the car
that had cut in front of him, causing property damage to the other car. Both Brendan and
Sure were surprised to learn that Sue's Personal Auto Policy (PAP) would not cover the claim.
Which one of the following is the correct reason why Sue's PAP will not pay the claim for
property damage to the other car?
Select one:
A. Because the Part A insuring agreement excludes intentional harm.
B. Because Sue's PAP only covers property damage to her car.
C. Because Brendan, not Sue, was driving the car.
D. Because Brendan's PAP should cover the claim. - answer-A. Because the Part A insuring
agreement excludes intentional harm.
Miguel, an insured has a Personal Auto Policy (PAP) that includes medical payments
coverage. The insured crashed his car while trying to be the first car to pull away from a stop
at a red light when the light turned green. In this scenario, Miguel
Select one:
A. Would be eligible for medical payments under the Personal Auto Policy (PAP) because he
wasn't caught speeding at the scene.
B. Would not be eligible for medical payments under the Personal Auto Policy (PAP) if he was
found at fault because of this accident.
C. Would be eligible for medical payments under the Personal Auto Policy (PAP) as the
named insured and an occupant of a covered auto.
