CISR-Personal Auto Exposures Exam Questions And Answers (Verified And Updated 2025/2026)

CISR-Personal Auto Exposures Exam Questions And Answers (Verified And Updated 2025/2026) 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 expiresWhat 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"