CISR-Personal Auto Exposures UPDATED
Exam Questions and CORRECT Answers
vehicle ownership - CORRECT ANSWER - 1. Individuals who are related and live in the
same household
2. Joint ownership with one owner living outside household
3. individuals who are not related and live in the same household
4. vehicles owned by a trust where the grantor/trustee is an individual, individual and spouse
Vehicle and vehicle usage - CORRECT ANSWER - Private passenger autos which include
pickups or vans; 1. auto is 4-wheel motor vehicle
2. may not be used for public or livery conveyance i.e. taxi, rideshare like Uber or Lyft, etc.
3. may not be rented to others
4. pickup cannot be over 10K lbs
5. Not used to deliver or transport goods or materials unless it is incidental to the insured's
business, i.e. plumber, electrician
6. it can be farm or ranch vehicle
Trailers and Miscellaneous vehicles - CORRECT ANSWER - 1. owned trailers are
covered for liability and must be listed comp/coll
2. Miscellaneous vehicles can be endorsed to the ISO pol (check underwriting guidelines of ins
co or preferably write them on their own pol)
Who is an insured with the best coverage "You and Your" - CORRECT ANSWER - 1)
You & yours (those named in the declaration page, i.e. individual and spouse, two people that
live in the same household
2) you and yours includes spouse even when not named in the dec page provided they live
together
3) when the spouse is no longer a resident, he/she has 90 days as a "you", or they stop being a
"you" when they get their own pol, or the date of pol expires
, What is bodily injury? - CORRECT ANSWER - Bodily harm, sickness, disease, including
resulting death;
Pain and suffering, mental anguish, disfigurement, loss of income, loss of a relationship, loss of
services, etc., resulting from the bodily harm, sickness, disease, or death are also considered
"bodily injury"
What is a "Family Member" in the ISO policy for coverage purposes? - CORRECT
ANSWER - 1) Related to a you by blood, marriage or adoption (includes a ward or foster
child);
and
2) A resident of the same household as a you
note: Individuals meeting these two requirements are a "family member". It doesn't matter their
age
or whether or not they even have a drivers' license.
Non-blood related family member in the same household - CORRECT ANSWER - add to
policy by "resident endorsement" so he/she is treated as a "family member" under the policy; if
the person moves, only 30 days as "family member"
"Trailer" defined in ISO policy - CORRECT ANSWER - Vehicle designed to be pulled by
a private passenger auto, pickup or van such as a boat trailer,
camping trailer, horse trailer, utility trailer, etc. It includes a farm wagon or farm implement
while towed by a private passenger auto, pickup or van.
"Your Covered Auto" defined by ISO Pol - CORRECT ANSWER - There are 4 categories
of vehicles that make up the definition of a "Your Covered Auto". While
these vehicles are not the only ones provided coverage, they are provided the broadest coverage.
1. Any vehicle shown in the Declarations
2. "Newly acquired auto" (Term defined next.)
3. Any trailer owned by a you, whether or not being towed by a vehicle
Exam Questions and CORRECT Answers
vehicle ownership - CORRECT ANSWER - 1. Individuals who are related and live in the
same household
2. Joint ownership with one owner living outside household
3. individuals who are not related and live in the same household
4. vehicles owned by a trust where the grantor/trustee is an individual, individual and spouse
Vehicle and vehicle usage - CORRECT ANSWER - Private passenger autos which include
pickups or vans; 1. auto is 4-wheel motor vehicle
2. may not be used for public or livery conveyance i.e. taxi, rideshare like Uber or Lyft, etc.
3. may not be rented to others
4. pickup cannot be over 10K lbs
5. Not used to deliver or transport goods or materials unless it is incidental to the insured's
business, i.e. plumber, electrician
6. it can be farm or ranch vehicle
Trailers and Miscellaneous vehicles - CORRECT ANSWER - 1. owned trailers are
covered for liability and must be listed comp/coll
2. Miscellaneous vehicles can be endorsed to the ISO pol (check underwriting guidelines of ins
co or preferably write them on their own pol)
Who is an insured with the best coverage "You and Your" - CORRECT ANSWER - 1)
You & yours (those named in the declaration page, i.e. individual and spouse, two people that
live in the same household
2) you and yours includes spouse even when not named in the dec page provided they live
together
3) when the spouse is no longer a resident, he/she has 90 days as a "you", or they stop being a
"you" when they get their own pol, or the date of pol expires
, What is bodily injury? - CORRECT ANSWER - Bodily harm, sickness, disease, including
resulting death;
Pain and suffering, mental anguish, disfigurement, loss of income, loss of a relationship, loss of
services, etc., resulting from the bodily harm, sickness, disease, or death are also considered
"bodily injury"
What is a "Family Member" in the ISO policy for coverage purposes? - CORRECT
ANSWER - 1) Related to a you by blood, marriage or adoption (includes a ward or foster
child);
and
2) A resident of the same household as a you
note: Individuals meeting these two requirements are a "family member". It doesn't matter their
age
or whether or not they even have a drivers' license.
Non-blood related family member in the same household - CORRECT ANSWER - add to
policy by "resident endorsement" so he/she is treated as a "family member" under the policy; if
the person moves, only 30 days as "family member"
"Trailer" defined in ISO policy - CORRECT ANSWER - Vehicle designed to be pulled by
a private passenger auto, pickup or van such as a boat trailer,
camping trailer, horse trailer, utility trailer, etc. It includes a farm wagon or farm implement
while towed by a private passenger auto, pickup or van.
"Your Covered Auto" defined by ISO Pol - CORRECT ANSWER - There are 4 categories
of vehicles that make up the definition of a "Your Covered Auto". While
these vehicles are not the only ones provided coverage, they are provided the broadest coverage.
1. Any vehicle shown in the Declarations
2. "Newly acquired auto" (Term defined next.)
3. Any trailer owned by a you, whether or not being towed by a vehicle
