CISR-Personal Auto Exposures Exam
Solved 100% Correct A+ Pass
vehicle ownership - 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 - 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 - 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" - 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? - 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? - 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 - 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 - 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 - 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
4. Temporary substitute, which is any auto not owned by you, that is being used
because a "your covered auto" is out of normal use due to breakdown, repair,
servicing, loss or destruction. (Temporary substitute does not apply to Part D -
Coverage For Damage To Your Auto.)
"Newly Acquired Auto" in PA ISO Policy - Answer ✔✔- 1) When must the vehicle have
been acquired It must have been acquired during the policy period
2) Who must own the vehicle It must have been acquired by a you. A new vehicle
owned by a "family member" does not meet this requirement
3) Which vehicles are eligible
Only those vehicles that meet the eligibility requirements (as covered in Section 1).
Private passenger vehicles, including pickups or vans meeting usage/GVWR
requirements for which no other policy provides coverage, and trailers.
Covered for "Newly Acquired Vehicles" - Answer ✔✔- The first category is coverages
other than Coverage For Damage To Your Auto
1. Includes Liability, Medical Payments or Personal Injury Protection and
Uninsured/Underinsured Motorists Coverage
2. The broadest coverage shown in the Declarations is provided for the new vehicle
3. For coverage to apply, the vehicle must be reported by a you within 14 days after
becoming the owner
Newly Acquired Vehicle coverage for physical damage - Answer ✔✔- 1. 14 days if it
policy provides collision and other than collision coverage
Solved 100% Correct A+ Pass
vehicle ownership - 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 - 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 - 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" - 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? - 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? - 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 - 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 - 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 - 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
4. Temporary substitute, which is any auto not owned by you, that is being used
because a "your covered auto" is out of normal use due to breakdown, repair,
servicing, loss or destruction. (Temporary substitute does not apply to Part D -
Coverage For Damage To Your Auto.)
"Newly Acquired Auto" in PA ISO Policy - Answer ✔✔- 1) When must the vehicle have
been acquired It must have been acquired during the policy period
2) Who must own the vehicle It must have been acquired by a you. A new vehicle
owned by a "family member" does not meet this requirement
3) Which vehicles are eligible
Only those vehicles that meet the eligibility requirements (as covered in Section 1).
Private passenger vehicles, including pickups or vans meeting usage/GVWR
requirements for which no other policy provides coverage, and trailers.
Covered for "Newly Acquired Vehicles" - Answer ✔✔- The first category is coverages
other than Coverage For Damage To Your Auto
1. Includes Liability, Medical Payments or Personal Injury Protection and
Uninsured/Underinsured Motorists Coverage
2. The broadest coverage shown in the Declarations is provided for the new vehicle
3. For coverage to apply, the vehicle must be reported by a you within 14 days after
becoming the owner
Newly Acquired Vehicle coverage for physical damage - Answer ✔✔- 1. 14 days if it
policy provides collision and other than collision coverage
