Exam (elaborations)
CISR-PERSONAL AUTO EXPOSURES EXAM NEWEST CISR EXAM WITH 100% CORRECT ANSWERS 2024
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CISR-PERSONAL AUTO EXPOSURES EXAM NEWEST CISR EXAM WITH 100% CORRECT ANSWERS 2024
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Name: Score:24 Multiple choice questions
Definition 1 of 24
-A temporary substitute is a vehicle being used because a "your covered auto" is out of normal
use because of breakdown, repair, servicing, loss or destruction
-A temporary substitute is not limited to specified types of autos. In this part of the definition,
"non‐owned auto" means ANY auto or "trailer" not owned by a you
Non-owned "Temporary Substitute"
Non-owned auto "Other Than A Temporary Substitute"
Covered for "Newly Acquired Vehicles"
Supplementary Payments
Definition 2 of 24
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)
Group A Exclusions:
Who is an insured with the best coverage "You and Your"
Who is an "insured"
Trailers and Miscellaneous vehicles
Definition 3 of 24
For "your covered auto", any person or organization legally responsible for the acts or
omissions of a person covered under Part A - Liability. This is referred to as vicarious
liability.
Absolute liability
Vicarious liability
Direct liability
Contributory negligence
,Definition 4 of 24
These payments are paid in addition to the Limit of Liability
Up to $250 for the cost of bail bonds required because of a covered accident resulting in
"bodily
injury" or "property damage". The insurance company is not required to provide the bond.
Premiums on appeal bonds and bonds to release attachments
Post-judgment interest (begins where prejudgment interest ends)
Medical Payments
Supplementary Payments
Defense Costs
Collision Coverage
Definition 5 of 24
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.
Vicarious liability
"Trailer" defined in ISO policy
what is a "family member" in the iso policy for coverage purposes?
collision definition
, Definition 6 of 24
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
Supplementary Payments
Vehicle and vehicle usage
vehicle ownership
other than collission
Definition 7 of 24
A vehicle being used for other than a temporary substitute vehicle (rental vehicle on vacation,
driving a friend's vehicle, etc.), must be one of the following types of vehicle: ─ Private
passenger auto ─ Pickup ─ Van ─ "Trailer"
A vehicle owned By A Family Member
Non-owned auto "Other Than A Temporary Substitute"
A vehicle used for commercial purposes
A vehicle that is permanently registered in another state
Definition 8 of 24
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 ownership
Vehicle and vehicle usage
What is bodily injury?
Collision definition
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