CISR: Insuring personal Auto exposures Exam 2025-2026Actual
Complete Real Exam Questions & Verified Answers / Solved
100% Correct!! Already Graded A+ / Newest Exam / Just
Released!!
What are the two obligations of an insured for the ensuring
agreement? -
ANSWER-Pay the policy premium and comply with all
conditions of the policy
YOU and YOUR - ANSWER-The named insured listed in the
declarations, and the spouse if a resident of the same
household. The named insured should always be the person or
persons to whom the vehicle is titled and registered, unless it's
a leased vehicle.
What happens when a spouse/partner is not named in the
declarations page and they are no longer a resident of the same
household - ANSWER-The spouse is no longer a resident, they
will remain a you until the earliest of 90 days after they cease to
be a resident of the same household, the effective date of a
policy is in his or her name, or the date this policy expires
Who is defined as "we", "us", and "our" - ANSWER-The
insurance company
What does the additional resident of your household PP 33 37
endorsement do? - ANSWER-This allows a non-related resident
, of the household who is shown in the schedule to be
considered a "family member" and received the broad coverage
provided by the policy to a "family member"
Who is defined as "you and "your" - ANSWER-The insured
What does the insuring agreement do? - ANSWER-Explain
to the policy
projects, for what types of damages, under what
circumstances, and the
defense coverage
provided
What are the two categories of compensatory damages -
ANSWER-special and
general
UIM trigger - ANSWER-What is required for coverage to apply
limits trigger - ANSWER-It defines and underinsured motor
vehicle as one with liability limits less than the insurance you I
am limits. So if the insurance for the other vehicle/driver
provides the same or higher limits than the vehicle is not an
under insured motor vehicle
Bodily Injury - ANSWER-Encompasses bodily harm, sickness,
disease, and includes resulting death. Pain and suffering,
Complete Real Exam Questions & Verified Answers / Solved
100% Correct!! Already Graded A+ / Newest Exam / Just
Released!!
What are the two obligations of an insured for the ensuring
agreement? -
ANSWER-Pay the policy premium and comply with all
conditions of the policy
YOU and YOUR - ANSWER-The named insured listed in the
declarations, and the spouse if a resident of the same
household. The named insured should always be the person or
persons to whom the vehicle is titled and registered, unless it's
a leased vehicle.
What happens when a spouse/partner is not named in the
declarations page and they are no longer a resident of the same
household - ANSWER-The spouse is no longer a resident, they
will remain a you until the earliest of 90 days after they cease to
be a resident of the same household, the effective date of a
policy is in his or her name, or the date this policy expires
Who is defined as "we", "us", and "our" - ANSWER-The
insurance company
What does the additional resident of your household PP 33 37
endorsement do? - ANSWER-This allows a non-related resident
, of the household who is shown in the schedule to be
considered a "family member" and received the broad coverage
provided by the policy to a "family member"
Who is defined as "you and "your" - ANSWER-The insured
What does the insuring agreement do? - ANSWER-Explain
to the policy
projects, for what types of damages, under what
circumstances, and the
defense coverage
provided
What are the two categories of compensatory damages -
ANSWER-special and
general
UIM trigger - ANSWER-What is required for coverage to apply
limits trigger - ANSWER-It defines and underinsured motor
vehicle as one with liability limits less than the insurance you I
am limits. So if the insurance for the other vehicle/driver
provides the same or higher limits than the vehicle is not an
under insured motor vehicle
Bodily Injury - ANSWER-Encompasses bodily harm, sickness,
disease, and includes resulting death. Pain and suffering,
