CISR COMMERCIAL CASUALTY II EXAM |
NEWEST ACTUAL EXAM COMPREHENSIVE
QUESTIONS AND VERIFIED ANSWERS
GRADED A+ | 100% PASS | 2025 UPDATE!
What does Symbol 19 mean on a BAP? - ✔✔✔ Correct Answer >
Mobile Equipment Subject To Compulsory Or Financial Responsibility Or
Other Motor Vehicle Insurance Law Only
List the three main types of physical damage coverage. - ✔✔✔
Correct Answer > Comprehensive coverage, specified causes of loss
coverage, collision coverage
BAP; An employee using a covered auto that she/he owns is an insured.
T/F - ✔✔✔ Correct Answer > False; An employee using a covered
auto that she/he, or a member of her/his household, owns is not an
insured. However, employees may be considered an insured through
endorsement "Employees as Insureds CA 99 33"
Identify the three functions of a Commercial Umbrella Policy. - ✔✔✔
Correct Answer > To provide excess limits above underlying liability
insurance limits, To replace underlying insurance limits as aggregate
limits are exhausted, To provide broader insurance protection than the
underlying insurance.
,Loss Payment - Physical Damage Coverages - ✔✔✔ Correct Answer >
explains the rules regarding the payment of physical damage losses
_________________________ includes vehicles and equipment
designed for purposes other than the transportation of persons or
cargo. - ✔✔✔ Correct Answer > Mobile equipment
Damage to or loss of use of tangible property is
____________________. - ✔✔✔ Correct Answer > Property damage
Transfer Of Rights Of Recovery Against Others To Us - ✔✔✔ Correct
Answer > states if any person or organization to or for whom the
insurance company makes payment has rights to recover damages from
another, those rights are transferred to the insurance company
BAP; Members of LLCs are the same as the LLC themselves. T/F - ✔✔✔
Correct Answer > False; Members of LLCs are not the same as the
LLCs themselves. Under the law, organizations are "non-natural
persons" and may be the named insured, but they do not operate
autos-their employees and others do.
BAP; A person using a covered auto in an auto-type business is insured
if the business is the named insured's business. T/F - ✔✔✔ Correct
Answer > True
, BAP; Non-employees loading or unloading vehicles are insureds. T/F -
✔✔✔ Correct Answer > False; This is one of five exceptions to A.1.b.
Others Using Covered Auto.
BAP; Partners are insureds while driving their own autos. T/F - ✔✔✔
Correct Answer > False; Partners using a covered auto that they or a
member of their households own are not insureds.
Give two examples of a driver breaching a duty owed. Then explain why
a driver who breaches a duty owed might not be considered negligent.
- ✔✔✔ Correct Answer > A driver who makes a phone call or sends a
text message is breaching a duty owed. So is a driver who grooms
herself or eats a take-out meal while driving. These drivers are not
considered negligent unless the breaches they commit are directly
related to damages caused in accidents. Breaches of duty must be the
proximate cause of an injury or damage.
Appraisal For Physical Damage Loss - ✔✔✔ Correct Answer > states
the rules regarding appraisal of the loss and what the insured and the
insurance company do if they disagree on the amount of "loss"
Duties In The Event Of Accident, Claim, Suit, Or Loss - ✔✔✔ Correct
Answer > describes the duties the insured has in the event of a loss
NEWEST ACTUAL EXAM COMPREHENSIVE
QUESTIONS AND VERIFIED ANSWERS
GRADED A+ | 100% PASS | 2025 UPDATE!
What does Symbol 19 mean on a BAP? - ✔✔✔ Correct Answer >
Mobile Equipment Subject To Compulsory Or Financial Responsibility Or
Other Motor Vehicle Insurance Law Only
List the three main types of physical damage coverage. - ✔✔✔
Correct Answer > Comprehensive coverage, specified causes of loss
coverage, collision coverage
BAP; An employee using a covered auto that she/he owns is an insured.
T/F - ✔✔✔ Correct Answer > False; An employee using a covered
auto that she/he, or a member of her/his household, owns is not an
insured. However, employees may be considered an insured through
endorsement "Employees as Insureds CA 99 33"
Identify the three functions of a Commercial Umbrella Policy. - ✔✔✔
Correct Answer > To provide excess limits above underlying liability
insurance limits, To replace underlying insurance limits as aggregate
limits are exhausted, To provide broader insurance protection than the
underlying insurance.
,Loss Payment - Physical Damage Coverages - ✔✔✔ Correct Answer >
explains the rules regarding the payment of physical damage losses
_________________________ includes vehicles and equipment
designed for purposes other than the transportation of persons or
cargo. - ✔✔✔ Correct Answer > Mobile equipment
Damage to or loss of use of tangible property is
____________________. - ✔✔✔ Correct Answer > Property damage
Transfer Of Rights Of Recovery Against Others To Us - ✔✔✔ Correct
Answer > states if any person or organization to or for whom the
insurance company makes payment has rights to recover damages from
another, those rights are transferred to the insurance company
BAP; Members of LLCs are the same as the LLC themselves. T/F - ✔✔✔
Correct Answer > False; Members of LLCs are not the same as the
LLCs themselves. Under the law, organizations are "non-natural
persons" and may be the named insured, but they do not operate
autos-their employees and others do.
BAP; A person using a covered auto in an auto-type business is insured
if the business is the named insured's business. T/F - ✔✔✔ Correct
Answer > True
, BAP; Non-employees loading or unloading vehicles are insureds. T/F -
✔✔✔ Correct Answer > False; This is one of five exceptions to A.1.b.
Others Using Covered Auto.
BAP; Partners are insureds while driving their own autos. T/F - ✔✔✔
Correct Answer > False; Partners using a covered auto that they or a
member of their households own are not insureds.
Give two examples of a driver breaching a duty owed. Then explain why
a driver who breaches a duty owed might not be considered negligent.
- ✔✔✔ Correct Answer > A driver who makes a phone call or sends a
text message is breaching a duty owed. So is a driver who grooms
herself or eats a take-out meal while driving. These drivers are not
considered negligent unless the breaches they commit are directly
related to damages caused in accidents. Breaches of duty must be the
proximate cause of an injury or damage.
Appraisal For Physical Damage Loss - ✔✔✔ Correct Answer > states
the rules regarding appraisal of the loss and what the insured and the
insurance company do if they disagree on the amount of "loss"
Duties In The Event Of Accident, Claim, Suit, Or Loss - ✔✔✔ Correct
Answer > describes the duties the insured has in the event of a loss
