CISR-Personal Auto Exposures Questions gh gh gh
with Correct Answers 2025
gh gh gh gh
vehicle ghownership gh- ghCORRECT ghANSWER gh-
1. Individuals ghwho ghare ghrelated ghand ghlive ghin ghthe ghsame ghhousehold
2. Joint ghownership ghwith ghone ghowner ghliving ghoutside ghhousehold
3. individuals ghwho ghare ghnot ghrelated ghand ghlive ghin ghthe ghsame ghhousehold
4. vehicles ghowned ghby gha ghtrust ghwhere ghthe ghgrantor/trustee ghis ghan ghindividual, ghindividual ghand
gh spouse
Vehicle ghand ghvehicle ghusage gh- ghCORRECT ghANSWER gh-
Private ghpassenger ghautos ghwhich ghinclude ghpickups ghor ghvans; gh1. ghauto ghis gh4-wheel ghmotor ghvehicle
2. may ghnot ghbe ghused ghfor ghpublic ghor ghlivery ghconveyance ghi.e. ghtaxi, ghrideshare ghlike ghUber ghor ghLyft,
ghetc.
3. may ghnot ghbe ghrented ghto ghothers
4. pickup ghcannot ghbe ghover gh10K ghlbs
5. Not ghused ghto ghdeliver ghor ghtransport ghgoods ghor ghmaterials ghunless ghit ghis ghincidental ghto ghthe
ghinsured's ghbu ghsiness, ghi.e. ghplumber, ghelectrician
6. it ghcan ghbe ghfarm ghor ghranch ghvehicle
Trailers ghand ghMiscellaneous ghvehicles gh- ghCORRECT ghANSWER gh-
1. owned ghtrailers ghare ghcovered ghfor ghliability ghand ghmust ghbe ghlisted ghcomp/coll
2. Miscellaneous ghvehicles ghcan ghbe ghendorsed ghto ghthe ghISO ghpol gh(check ghunderwriting
ghguidelines ghof ghins ghco ghor ghpreferably ghwrite ghthem ghon ghtheir ghown ghpol)
Who ghis ghan ghinsured ghwith ghthe ghbest ghcoverage gh"You ghand ghYour" gh- ghCORRECT ghANSWER gh-
1) You gh& ghyours gh(those ghnamed ghin ghthe ghdeclaration ghpage, ghi.e. ghindividual ghand ghspouse, ghtwo
ghpeople ghth ghat ghlive ghin ghthe ghsame ghhousehold
2) you ghand ghyours ghincludes ghspouse gheven ghwhen ghnot ghnamed ghin ghthe ghdec ghpage ghprovided
ghthey ghlive ghtog ghether
3) when ghthe ghspouse ghis ghno ghlonger gha ghresident, ghhe/she ghhas gh90 ghdays ghas gha gh"you", ghor ghthey
ghstop ghbeing gha gh"you" ghwhen ghthey ghget ghtheir ghown ghpol, ghor ghthe ghdate ghof ghpol ghexpires
, What ghis ghbodily ghinjury? gh- ghCORRECT ghANSWER gh-
Bodily ghharm, ghsickness, ghdisease, ghincluding ghresulting ghdeath;
Pain ghand ghsuffering, ghmental ghanguish, ghdisfigurement, ghloss ghof ghincome, ghloss ghof gha ghrelationship,
loss ghof ghservices, ghetc., ghresulting ghfrom ghthe ghbodily ghharm, ghsickness, ghdisease, ghor ghdeath ghare ghalso
gh
considered gh"bodily ghinjury"
gh
What ghis gha gh"Family ghMember" ghin ghthe ghISO ghpolicy ghfor ghcoverage ghpurposes? gh- ghCORRECT
gh ANSWER gh -
1) Related ghto gha ghyou ghby ghblood, ghmarriage ghor ghadoption gh(includes gha ghward ghor
foster ghchild); ghand
gh
2) A ghresident ghof ghthe ghsame ghhousehold ghas gha ghyou
note: ghIndividuals ghmeeting ghthese ghtwo ghrequirements ghare gha gh"family ghmember". ghIt ghdoesn't
ghmatter ghth gheir ghage
or ghwhether ghor ghnot ghthey gheven ghhave gha ghdrivers' ghlicense.
Non-blood ghrelated ghfamily ghmember ghin ghthe ghsame ghhousehold gh- ghCORRECT ghANSWER gh-
add ghto ghpolicy ghby gh"resident ghendorsement" ghso ghhe/she ghis ghtreated ghas gha gh"family ghmember"
ghunder ghthe ghpolicy; ghif ghthe ghperson ghmoves, ghonly gh30 ghdays ghas gh"family ghmember"
"Trailer" ghdefined ghin ghISO ghpolicy gh- ghCORRECT ghANSWER gh-
Vehicle ghdesigned ghto ghbe ghpulled ghby gha ghprivate ghpassenger ghauto, ghpickup ghor ghvan ghsuch ghas gha
boat ghtrailer, ghcamping ghtrailer, ghhorse ghtrailer, ghutility ghtrailer, ghetc. ghIt ghincludes gha ghfarm ghwagon
gh
or ghfarm ghimplement ghwhile ghtowed ghby gha ghprivate ghpassenger ghauto, ghpickup ghor ghvan.
gh
"Your ghCovered ghAuto" ghdefined ghby ghISO ghPol gh- ghCORRECT ghANSWER gh-
There ghare gh4 ghcategories ghof ghvehicles ghthat ghmake ghup ghthe ghdefinition ghof gha gh"Your ghCovered ghAuto".
ghWhile
these ghvehicles ghare ghnot ghthe ghonly ghones ghprovided ghcoverage, ghthey ghare ghprovided ghthe
ghbroadest ghcovera ghge.
with Correct Answers 2025
gh gh gh gh
vehicle ghownership gh- ghCORRECT ghANSWER gh-
1. Individuals ghwho ghare ghrelated ghand ghlive ghin ghthe ghsame ghhousehold
2. Joint ghownership ghwith ghone ghowner ghliving ghoutside ghhousehold
3. individuals ghwho ghare ghnot ghrelated ghand ghlive ghin ghthe ghsame ghhousehold
4. vehicles ghowned ghby gha ghtrust ghwhere ghthe ghgrantor/trustee ghis ghan ghindividual, ghindividual ghand
gh spouse
Vehicle ghand ghvehicle ghusage gh- ghCORRECT ghANSWER gh-
Private ghpassenger ghautos ghwhich ghinclude ghpickups ghor ghvans; gh1. ghauto ghis gh4-wheel ghmotor ghvehicle
2. may ghnot ghbe ghused ghfor ghpublic ghor ghlivery ghconveyance ghi.e. ghtaxi, ghrideshare ghlike ghUber ghor ghLyft,
ghetc.
3. may ghnot ghbe ghrented ghto ghothers
4. pickup ghcannot ghbe ghover gh10K ghlbs
5. Not ghused ghto ghdeliver ghor ghtransport ghgoods ghor ghmaterials ghunless ghit ghis ghincidental ghto ghthe
ghinsured's ghbu ghsiness, ghi.e. ghplumber, ghelectrician
6. it ghcan ghbe ghfarm ghor ghranch ghvehicle
Trailers ghand ghMiscellaneous ghvehicles gh- ghCORRECT ghANSWER gh-
1. owned ghtrailers ghare ghcovered ghfor ghliability ghand ghmust ghbe ghlisted ghcomp/coll
2. Miscellaneous ghvehicles ghcan ghbe ghendorsed ghto ghthe ghISO ghpol gh(check ghunderwriting
ghguidelines ghof ghins ghco ghor ghpreferably ghwrite ghthem ghon ghtheir ghown ghpol)
Who ghis ghan ghinsured ghwith ghthe ghbest ghcoverage gh"You ghand ghYour" gh- ghCORRECT ghANSWER gh-
1) You gh& ghyours gh(those ghnamed ghin ghthe ghdeclaration ghpage, ghi.e. ghindividual ghand ghspouse, ghtwo
ghpeople ghth ghat ghlive ghin ghthe ghsame ghhousehold
2) you ghand ghyours ghincludes ghspouse gheven ghwhen ghnot ghnamed ghin ghthe ghdec ghpage ghprovided
ghthey ghlive ghtog ghether
3) when ghthe ghspouse ghis ghno ghlonger gha ghresident, ghhe/she ghhas gh90 ghdays ghas gha gh"you", ghor ghthey
ghstop ghbeing gha gh"you" ghwhen ghthey ghget ghtheir ghown ghpol, ghor ghthe ghdate ghof ghpol ghexpires
, What ghis ghbodily ghinjury? gh- ghCORRECT ghANSWER gh-
Bodily ghharm, ghsickness, ghdisease, ghincluding ghresulting ghdeath;
Pain ghand ghsuffering, ghmental ghanguish, ghdisfigurement, ghloss ghof ghincome, ghloss ghof gha ghrelationship,
loss ghof ghservices, ghetc., ghresulting ghfrom ghthe ghbodily ghharm, ghsickness, ghdisease, ghor ghdeath ghare ghalso
gh
considered gh"bodily ghinjury"
gh
What ghis gha gh"Family ghMember" ghin ghthe ghISO ghpolicy ghfor ghcoverage ghpurposes? gh- ghCORRECT
gh ANSWER gh -
1) Related ghto gha ghyou ghby ghblood, ghmarriage ghor ghadoption gh(includes gha ghward ghor
foster ghchild); ghand
gh
2) A ghresident ghof ghthe ghsame ghhousehold ghas gha ghyou
note: ghIndividuals ghmeeting ghthese ghtwo ghrequirements ghare gha gh"family ghmember". ghIt ghdoesn't
ghmatter ghth gheir ghage
or ghwhether ghor ghnot ghthey gheven ghhave gha ghdrivers' ghlicense.
Non-blood ghrelated ghfamily ghmember ghin ghthe ghsame ghhousehold gh- ghCORRECT ghANSWER gh-
add ghto ghpolicy ghby gh"resident ghendorsement" ghso ghhe/she ghis ghtreated ghas gha gh"family ghmember"
ghunder ghthe ghpolicy; ghif ghthe ghperson ghmoves, ghonly gh30 ghdays ghas gh"family ghmember"
"Trailer" ghdefined ghin ghISO ghpolicy gh- ghCORRECT ghANSWER gh-
Vehicle ghdesigned ghto ghbe ghpulled ghby gha ghprivate ghpassenger ghauto, ghpickup ghor ghvan ghsuch ghas gha
boat ghtrailer, ghcamping ghtrailer, ghhorse ghtrailer, ghutility ghtrailer, ghetc. ghIt ghincludes gha ghfarm ghwagon
gh
or ghfarm ghimplement ghwhile ghtowed ghby gha ghprivate ghpassenger ghauto, ghpickup ghor ghvan.
gh
"Your ghCovered ghAuto" ghdefined ghby ghISO ghPol gh- ghCORRECT ghANSWER gh-
There ghare gh4 ghcategories ghof ghvehicles ghthat ghmake ghup ghthe ghdefinition ghof gha gh"Your ghCovered ghAuto".
ghWhile
these ghvehicles ghare ghnot ghthe ghonly ghones ghprovided ghcoverage, ghthey ghare ghprovided ghthe
ghbroadest ghcovera ghge.
