INSURING PERSONAL AUTO EXPOSURES CISR 2023-2024 ACTUAL
EXAM 100 QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) |AGRADE
Depending on the circumstances, a passenger injured in an automobile accident
may be able to recover under all of the following coverages EXCEPT:
A) medical payments.
B) collision.
C) uninsured motorist.
D) liability. – ANSWER- The correct answer was – B: collision.
Explanation:
Collision coverage provides only physical damage coverage for the insured’s
vehicle. It protects against damage done to the covered auto by impact with
another vehicle or an object. It also covers damage sustained if the car rolls over (is
upset).
The commercial auto policy offers physical damage coverage. One of the
coverages is comprehensive. All of the following causes of loss are specifically
covered under comprehensive EXCEPT:
A) freezing.
B) earthquake.
C) theft.
D) flood. – ANSWER- \u2026The correct answer was – A: freezing.
Explanation:
Freezing is specifically excluded under comprehensive coverage. Other exclusions
include nuclear explosion, radiation, war, racing, wear and tear, and blowout,
punctures, or other road damage to tires.
Which of the following damages is covered Under Part D-Coverage for Damage to
the Insured’s Auto?
A) Mechanical breakdown not resulting from total theft.
B) Wear and tear.
C) Flood.<\/p>\n\n\n\n
D) Freezing. – ANSWER- \u2026The correct answer was – C: Flood.
Explanation:
Part D-Coverage for Damage to the Insured’s Auto provides other than collision
(comprehensive) coverage and collision coverage. Other than collision coverage
protects against almost all accidental damage, with the exception of coverage
provided under collision, including fire, theft, explosion, earthquake, windstorm,
missiles, falling objects, hail, water, flood, vandalism and malicious mischief, riot
and civil commotion, glass breakage, and collision with birds or animals, wild or
domestic. Damage from wear and tear, freezing and mechanical breakdown, and
electrical breakdown (unless resulting from total theft of the auto) are excluded.
Road damage to tires is also excluded.
Bobby, age 16, borrows his parents’ car without their permission and gets into an
accident. Which of the following statements about coverage under the parents’
personal auto policy is CORRECT?
A) Bobby is not covered for this accident because he used the car without
permission.
B) Bobby is covered by his parents’ policy because he is included in the definition
of named insured.
C) Bobby is not covered because it was not his car.
D) Bobby is covered by his parents’ policy because he is a family member. –
ANSWER- \u2026The correct answer was – D: Bobby is covered by his parents’ policy
because he is a family member.
Explanation:
Bobby is a family member and thus automatically covered under this family’s PAP
policy. Even though Bobby is using the car without permission, the exclusion
pertaining to nonpermissive users does not apply to use of an owned auto by
resident family members.
Under the medical payments coverage of a personal auto policy, the insurer pays
for medical expenses and funeral services incurred within how many years from
the date of an accident?
A) Three.
B) Five.
C) One.
D) Two. – ANSWER- \u2026The correct answer was – A: Three.<\/p>\n\n\n\n
Explanation:
Under Part B–Medical Payments Coverage, the insurer pays for reasonable
expenses for necessary medical and funeral services incurred within three years
from the date of an accident without regard to fault.
Jane insures her car with ABC Insurers. Which of the following individuals best
describes a family member on Jane’s policy?
A) Robert, her ex-husband who moved out last week.
B) Renee, a friend, who lives with Jane.
C) Uncle Joe visiting from Texas.
D) Maggie, her older sister, who lives with Jane. – ANSWER- \u2026The correct
answer was – D: Maggie, her older sister, who lives with Jane.
Explanation:
A family member is someone related to the named insured by blood, marriage, or
adoption, who is a resident of the insured’s household. Since Maggie is Jane’s sister
and is a resident of Jane’s household, she would best fit the description of a family
member under the policy.
Howard bought a car yesterday for his youngest son to drive to school and his job.
Under Howard’s automobile policy, this car is considered a (n):
A) uninsured automobile.
B) temporary substitute automobile.
C) owned automobile.
D) nonowned automobile. – ANSWER- \u2026The correct answer was – C: owned
automobile.
Explanation:
A newly acquired automobile is an owned automobile that must be an eligible
vehicle. For any coverage except coverage for damage to your auto, this car will
have the broadest coverage provided for any of the cars listed on the declarations
until it is added to the policy. It must be insured within 14 days after the insured
becomes the owner.
Steve meets with his agent to apply for an automobile insurance policy on his 2
personal cars. In reviewing the policy, Steve finds he is not willing to accept the
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