Commercial Casualty II – CISR Questions And Answers 2025

Commercial Casualty II – CISR Questions And Answers
2025


Question 1
Which of the following is the primary purpose of a Commercial Auto Policy?
A) To cover damage to the insured's own vehicles.
B) To provide property coverage for cargo being transported.
C) To provide liability coverage for bodily injury and property damage arising
out of the ownership, maintenance, or use of covered autos.
D) To cover legal expenses for non-auto related incidents.
E) To provide medical payments for passengers only.
Correct Answer: C) To provide liability coverage for bodily injury and
property damage arising out of the ownership, maintenance, or use
of covered autos.
Rationale: Commercial Auto Liability is the core coverage, protecting
the business from financial loss due to accidents involving its
vehicles.

Question 2
Under a Commercial Auto Policy, "Symbol 1" in the Covered Auto
Designations refers to:
A) Owned autos only.
B) Owned private passenger autos only.
C) Any auto (including owned, non-owned, and hired autos).
D) Hired autos only.
E) Non-owned autos only.
Correct Answer: C) Any auto (including owned, non-owned, and hired
autos).
Rationale: Symbol 1 provides the broadest coverage and is often
preferred for liability, as it extends to all types of autos used in the
business.

Question 3
Which of the following would typically be covered under the Medical

,Payments coverage of a Commercial Auto Policy?
A) Lost wages for the driver.
B) Bodily injury expenses for occupants of the insured's vehicle, regardless of
fault.
C) Property damage to another vehicle.
D) Liability for the driver's negligence.
E) Damage to the insured's vehicle.
Correct Answer: B) Bodily injury expenses for occupants of the
insured's vehicle, regardless of fault.
Rationale: Medical Payments coverage is a no-fault coverage that
pays for reasonable and necessary medical and funeral expenses
incurred by occupants of a covered auto due to an accident.

Question 4
What is the purpose of "Drive Other Car (DOC) Coverage" in a Commercial
Auto Policy?
A) To cover damage to rental cars.
B) To extend commercial auto coverage to individuals (e.g., executives) and
their family members for their use of non-owned private passenger autos.
C) To cover employee-owned vehicles used for business.
D) To cover autos borrowed from another business.
E) To cover the driving of commercial vehicles by non-employees.
Correct Answer: B) To extend commercial auto coverage to individuals
(e.g., executives) and their family members for their use of non-
owned private passenger autos.
Rationale: DOC coverage bridges the gap between personal auto and
commercial auto policies for those individuals who primarily drive
company vehicles but occasionally drive personal vehicles that are
not owned by the company.

Question 5
Which section of a Commercial Auto Policy outlines the vehicles for which

,coverage applies?
A) Conditions
B) Exclusions
C) Endorsements
D) Declarations
E) Definitions
Correct Answer: D) Declarations
Rationale: The Declarations page contains the specific information
about the insured, policy period, limits, and the covered auto
designation symbols.

Question 6
What does "Motor Carrier Act of 1980" primarily mandate for certain motor
carriers?
A) Specific vehicle maintenance requirements.
B) Minimum financial responsibility (liability limits) for transporting hazardous
materials or passengers.
C) Driver licensing requirements.
D) Vehicle weight limitations.
E) Fuel efficiency standards.
Correct Answer: B) Minimum financial responsibility (liability limits)
for transporting hazardous materials or passengers.
Rationale: The Motor Carrier Act sets minimum liability insurance
requirements for interstate carriers of passengers and property,
particularly those transporting hazardous materials.

Question 7
Which of the following is typically excluded from a standard Commercial Auto
Policy?
A) Collision damage to a covered auto.
B) Liability for bodily injury arising out of auto use.
C) Workers' Compensation claims for injured employees.

, D) Liability for property damage arising out of auto use.
E) Medical payments for occupants.
Correct Answer: C) Workers' Compensation claims for injured
employees.
Rationale: Workers' Compensation claims are covered by a separate
Workers' Compensation policy, as Commercial Auto policies
generally exclude coverage for injuries to employees that are
compensable under Workers' Comp.

Question 8
What is the purpose of an "Umbrella Liability Policy"?
A) To replace the need for primary liability policies.
B) To provide additional layers of liability coverage above the limits of
underlying primary policies (e.g., CGL, Commercial Auto).
C) To cover property damage.
D) To cover professional errors and omissions.
E) To provide medical expense coverage.
Correct Answer: B) To provide additional layers of liability coverage
above the limits of underlying primary policies (e.g., CGL,
Commercial Auto).
Rationale: Umbrella policies offer broad, high-limit excess liability
coverage, acting as a "catastrophic" layer of protection.

Question 9
An Umbrella Liability Policy provides coverage for:
A) Only claims excluded by primary policies.
B) Only claims covered by primary policies.
C) Claims covered by primary policies (as excess) and potentially some
claims excluded by primary policies (subject to a Self-Insured Retention -
SIR).
D) Property damage only.
E) Workers' Compensation only.