COMMERCIAL CASUALTY II – CISR
Practice Exam Questions and Answers
Latest Versions 2025 Graded A+
Describe what coverage triggers for Symbols 5 & 6? - ✔✔Personal Injury Protection for autos required to
have No-fault benefits in the state where they are licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
Describe what coverage triggers for Symbol 7? - ✔✔Autos Only Liability, Physical Damage, medical
Payments, Personal Injury Protection, Uninsured Motorists - for specifically described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached to schedule auto
Describe what coverage triggers for Symbol 8? - ✔✔Liability, Physical Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of LLC or members of their household
Describe what coverage triggers for Symbol 9? - ✔✔liability for non-owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or borrow and used in business
*owned by insured employees, partners, members, and member of household used in business or
personal affairs
Describe what coverage triggers for Symbol 19? - ✔✔liability coverage for autos that would qualify as
mobile equipment
,*Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance
Law Only
What endorsement would be used to customize coverage on those vehicles fairly new? - ✔✔Symbol 10
What symbols are used for automatic coverage? - ✔✔Symbols 1, 2-6 or 19
*Autos you acquire after the policy begins
What symbols are used for schedule coverage? - ✔✔Symbol 7
*Specifically scheduled in item 3 of BAP dec, must tell insurance company within 30 days after acquired
List reason insured can use certain trailers, mobile equipment and temporary substitute autos if because
of - ✔✔breakdown
repair
servicing
loss or
destruction
List example of an automatic symbol coverage - ✔✔Name insured has symbol 2, used to trigger liability,
comp and collision. If name insured acquires an additional auto that has liability, comp and collision
under the policy for the remainder of policy period, insured doesn't need to report newly acquired auto.
premium will be picked up at audit
List example that doesn't qualify automatic symbol coverage - ✔✔name insured has symbol 3. if name
insured acquires a panel truck there is no automatic coverage because the panel truck is not a passenger
auto
What 2 conditions must be met for Symbol 7 to apply? - ✔✔1.
All "autos" the named insured owns must be insured by the insurance company for that coverage;
or it replaces an "auto" the named insured previously owne
d that has coverage
, and
2.
This named insured must tell the insurance company within 30 days after acquiring the "auto" that
the named insured wants that coverage.
*If both are met the newly acquired auto is additional unit, will automatically have the coverage that all
owned autos have.
List an example of symbol 7 limited coverage for new auto - ✔✔Name insured owns 9 autos with symbol
7. All 9 have liability, 8 have comp, one has specified cause of loss. 6 have collision. if the name insured
acquires 10th auto, will only have automatic liability coverage, because all 9 have at least liability.
*will only extend automatically for 30 days
List an example of symbol 7 limited coverage for replacement auto - ✔✔name insured has 2 autos, both
have symbol 7. 1st vehicle has only liability. 2nd vehicle has liab. and collision. if name insured acquires a
eplacement or 1st vehicle, new auto only has liability for max. of 30 days
*Must inform insurer within 30 days after purchase
*Physical damage does not apply until notified that physical damage is wanted
What happens for Symbol 7 if late reported to insurance company for new auto? so if acquired on Mar
1st, and doesn't tell insurance company until Aug 15? - ✔✔No coverage is in place for the newly
acquired auto. Coverage requested will now begin on Aug 15.
What 3 types of insureds are afforded coverage in auto form? - ✔✔1. "You"
2. Permissive Users of Covered "Autos"
3. Others Who Have Vicarious Liability
Describe what a permissive user is? - ✔✔individual who are using a covered auto with name insured
permission
Explain Drive Other Car Coverage - Broadened Coverage for Named Individuals (CA 99 10) endorsement -
✔✔Typically used to provide non-owned coverage similar but not identical to that provided by a
Personal Auto Policy for an individual. This individual is typically a corporate officer or key employee who
is provided a
Practice Exam Questions and Answers
Latest Versions 2025 Graded A+
Describe what coverage triggers for Symbols 5 & 6? - ✔✔Personal Injury Protection for autos required to
have No-fault benefits in the state where they are licensed or principally garaged. - for owned autos
5- owned auto subject to no fault law
6- owned auto subject to UM, includes newly acquired autos
Describe what coverage triggers for Symbol 7? - ✔✔Autos Only Liability, Physical Damage, medical
Payments, Personal Injury Protection, Uninsured Motorists - for specifically described autos only
*triggers coverage for autos scheduled in decs
*liability for trailers the name insured does not own while attached to schedule auto
Describe what coverage triggers for Symbol 8? - ✔✔Liability, Physical Damage - for hired autos
*Excludes autos those from employees, partners of LLP, members of LLC or members of their household
Describe what coverage triggers for Symbol 9? - ✔✔liability for non-owned autos
*for autos the name insured DOES NOT own, lease, hire, rent or borrow and used in business
*owned by insured employees, partners, members, and member of household used in business or
personal affairs
Describe what coverage triggers for Symbol 19? - ✔✔liability coverage for autos that would qualify as
mobile equipment
,*Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance
Law Only
What endorsement would be used to customize coverage on those vehicles fairly new? - ✔✔Symbol 10
What symbols are used for automatic coverage? - ✔✔Symbols 1, 2-6 or 19
*Autos you acquire after the policy begins
What symbols are used for schedule coverage? - ✔✔Symbol 7
*Specifically scheduled in item 3 of BAP dec, must tell insurance company within 30 days after acquired
List reason insured can use certain trailers, mobile equipment and temporary substitute autos if because
of - ✔✔breakdown
repair
servicing
loss or
destruction
List example of an automatic symbol coverage - ✔✔Name insured has symbol 2, used to trigger liability,
comp and collision. If name insured acquires an additional auto that has liability, comp and collision
under the policy for the remainder of policy period, insured doesn't need to report newly acquired auto.
premium will be picked up at audit
List example that doesn't qualify automatic symbol coverage - ✔✔name insured has symbol 3. if name
insured acquires a panel truck there is no automatic coverage because the panel truck is not a passenger
auto
What 2 conditions must be met for Symbol 7 to apply? - ✔✔1.
All "autos" the named insured owns must be insured by the insurance company for that coverage;
or it replaces an "auto" the named insured previously owne
d that has coverage
, and
2.
This named insured must tell the insurance company within 30 days after acquiring the "auto" that
the named insured wants that coverage.
*If both are met the newly acquired auto is additional unit, will automatically have the coverage that all
owned autos have.
List an example of symbol 7 limited coverage for new auto - ✔✔Name insured owns 9 autos with symbol
7. All 9 have liability, 8 have comp, one has specified cause of loss. 6 have collision. if the name insured
acquires 10th auto, will only have automatic liability coverage, because all 9 have at least liability.
*will only extend automatically for 30 days
List an example of symbol 7 limited coverage for replacement auto - ✔✔name insured has 2 autos, both
have symbol 7. 1st vehicle has only liability. 2nd vehicle has liab. and collision. if name insured acquires a
eplacement or 1st vehicle, new auto only has liability for max. of 30 days
*Must inform insurer within 30 days after purchase
*Physical damage does not apply until notified that physical damage is wanted
What happens for Symbol 7 if late reported to insurance company for new auto? so if acquired on Mar
1st, and doesn't tell insurance company until Aug 15? - ✔✔No coverage is in place for the newly
acquired auto. Coverage requested will now begin on Aug 15.
What 3 types of insureds are afforded coverage in auto form? - ✔✔1. "You"
2. Permissive Users of Covered "Autos"
3. Others Who Have Vicarious Liability
Describe what a permissive user is? - ✔✔individual who are using a covered auto with name insured
permission
Explain Drive Other Car Coverage - Broadened Coverage for Named Individuals (CA 99 10) endorsement -
✔✔Typically used to provide non-owned coverage similar but not identical to that provided by a
Personal Auto Policy for an individual. This individual is typically a corporate officer or key employee who
is provided a
