CISR-PERSONAL AUTO EXPOSURES |COMPLETE AND DETAILED
QUESTIONS AND ANSWERS| REAL EXAM QNA | 2025 LATEST
UPDATED 100% RATED CORRECT | 100% VERFIED | ALREADY
GRADED A+|GUARANTEED TO 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
QUESTIONS AND ANSWERS| REAL EXAM QNA | 2025 LATEST
UPDATED 100% RATED CORRECT | 100% VERFIED | ALREADY
GRADED A+|GUARANTEED TO 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
