100+ Free CIC Personal Lines Practice Questions

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Under the Personal Auto Policy (PAP), Coverage A provides what type of protection?

Medical Payments to insureds and passengers

Bodily Injury and Property Damage Liability

Uninsured Motorists coverage

Coverage for Damage to Your Auto

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2026 Statistics

Key Facts: CIC Personal Lines Exam

100

Free Practice Questions

Aligned to the CIC Personal Lines course outline

16 hours

Course Length

Plus a 2-hour proctored exam

70%

Passing Score

Per CIC institute exam

$425

Tuition (incl. exam)

Per institute, varies by format

Institutes for CIC

5 CIC, or 4 CIC + 1 CRM/CPRM, within 5 years

Annual

Update Required

By end of birth month to maintain CIC

CIC Personal Lines is a 2-day (16-hour) institute course followed by a 2-hour proctored exam covering Personal Auto, Homeowners, Dwelling Fire, Personal Umbrella, watercraft, and recreational vehicles. The passing score is generally 70%. Course/exam tuition is approximately $425 per institute. Pass 5 of the 7 CIC institutes (5 CIC, or 4 CIC plus 1 CRM/CPRM) within 5 calendar years to earn the CIC designation, then complete an annual update by the end of your birth month each year to maintain it.

Sample CIC Personal Lines Practice Questions

Try these sample questions to test your CIC Personal Lines exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under the Personal Auto Policy (PAP), Coverage A provides what type of protection?

A.Medical Payments to insureds and passengers

B.Bodily Injury and Property Damage Liability

C.Uninsured Motorists coverage

D.Coverage for Damage to Your Auto

Explanation: Coverage A in the PAP is Liability Coverage, which pays damages for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident. Coverage B is Medical Payments, Coverage C is UM/UIM, and Coverage D is Damage to Your Auto.

2The PAP definition of 'family member' requires the person to be a resident of the named insured's household and related by which of the following?

A.Blood only

B.Blood, marriage, or adoption (including a ward or foster child)

C.Blood or marriage only

D.Any person living in the household for at least 60 days

Explanation: The PAP defines 'family member' as a person related to the named insured (or spouse if a resident of the same household) by blood, marriage, or adoption, who is a resident of the named insured's household, including a ward or foster child. Mere residency is not enough.

3Marcus carries 100/300/100 PAP limits and is at fault in an accident causing $250,000 in bodily injury to one person. How much will the PAP pay for that injured person?

A.$100,000

B.$250,000

C.$300,000

D.$50,000

Explanation: PAP split limits read as BI per person / BI per accident / PD per accident. The first number ($100,000) caps payment to any one person for bodily injury, regardless of the per-accident limit. Marcus would pay the remaining $150,000 from his own assets unless an umbrella drops down.

4Which statement about Uninsured Motorists Bodily Injury (UMBI) coverage in the PAP is generally TRUE?

A.It pays only for property damage caused by an uninsured driver

B.It pays compensatory damages the insured is legally entitled to recover from an uninsured motorist

C.It is excess over any health insurance the insured carries

D.It is mandatory in every state

Explanation: UMBI pays compensatory damages (such as medical expenses, lost wages, and pain and suffering) that the insured is legally entitled to recover from the owner or operator of an uninsured auto because of bodily injury. UM rules vary by state; not every state mandates the coverage.

5In states that permit it, 'stacking' of UM/UIM limits typically means:

A.Combining liability and UM limits to pay one loss

B.Adding UM limits across multiple vehicles or policies for a single loss

C.Doubling the limit when two vehicles collide

D.Using the highest auto's deductible only once

Explanation: Stacking lets an insured aggregate UM/UIM limits across multiple vehicles on one policy (intra-policy) or across multiple policies (inter-policy) to pay a single loss. Many states limit or prohibit stacking; CIC tests the concept and how it interacts with anti-stacking endorsements.

6Under PAP Part D - Coverage for Damage to Your Auto, 'Collision' is defined as:

A.Any direct and accidental loss to your covered auto

B.The upset of your covered auto or its impact with another vehicle or object

C.Loss caused by hitting a deer or other animal

D.Loss to a covered auto caused by falling objects

Explanation: The PAP defines Collision as the upset of your covered auto or its impact with another vehicle or object. Losses caused by missiles, falling objects, fire, theft, hitting a bird or animal, etc., are 'Other Than Collision' (OTC/Comprehensive) losses.

7A homeowner's son uses dad's PAP-covered SUV with permission to make occasional pizza deliveries on weekends. Which PAP exclusion would most likely apply to a liability claim arising from a delivery accident?

A.Intentional act exclusion

B.Public or livery conveyance exclusion

C.Use without reasonable belief of permission

D.Racing exclusion

Explanation: The PAP excludes liability for any insured 'while employed or otherwise engaged in the business of selling, repairing, servicing, storing or parking vehicles' and while a vehicle is used as a 'public or livery conveyance,' which has been interpreted to include delivery for pay. Special endorsements (rideshare, delivery) are needed to add coverage.

8Which is NOT considered 'your covered auto' under the PAP?

A.A vehicle shown on the Declarations

B.A newly acquired auto under the rules of the policy

C.A trailer owned by the named insured

D.A motorcycle owned by the named insured but not listed on the Declarations

Explanation: The PAP is designed for private passenger autos and does not automatically cover owned motorcycles. A Miscellaneous Type Vehicle endorsement (or a separate motorcycle policy) is needed. Owned trailers and newly acquired autos meeting the policy rules are covered.

9The Towing and Labor (Roadside) endorsement to a PAP covers labor performed:

A.Anywhere the vehicle is taken for repair

B.Only at the place of disablement

C.At the insured's home garage only

D.Only by the named insured personally

Explanation: The Towing and Labor Costs endorsement reimburses for towing AND for labor performed at the place of disablement. Labor performed once the vehicle reaches a repair shop is not covered by this endorsement.

10A PAP transportation expenses (rental reimbursement) provision typically begins paying:

A.Immediately after any covered loss

B.After 24 hours for a theft loss; immediately for other covered losses if the auto cannot be driven

C.After 7 days for any covered loss

D.Only when the vehicle is declared a total loss

Explanation: The Extended Transportation Expenses Coverage typically imposes a 24-hour waiting period for theft losses and provides coverage for other covered losses if the auto is withdrawn from use more than 24 hours. Limits are usually a daily and aggregate cap (e.g., $20/$600).

About the CIC Personal Lines Exam

The CIC Personal Lines Institute is one of seven CIC institute courses offered by the National Alliance / Risk & Insurance Education Alliance. The course is a 2-day (16-hour) classroom or virtual program covering Personal Auto Policy, Homeowners (HO-2/HO-3/HO-5/HO-6/HO-8), Dwelling Fire (DP-1/DP-2/DP-3), Personal Umbrella, and recreational vehicles, watercraft, and inland marine. Participants take a 2-hour proctored essay/multiple-choice exam at the end of the course. Five of seven institutes (or 4 CIC + 1 CRM/CPRM) must be passed within five calendar years to earn the CIC designation, with annual updates required to maintain it.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$425 per course (Risk & Insurance Education Alliance)

CIC Personal Lines Exam Content Outline

25%

Personal Auto Policy (PAP)

Coverage A liability, B medical payments, C UM/UIM, D physical damage; named-insured/family-member definitions; permissive use; non-owned autos; endorsements (TNC/rideshare, towing, joint ownership).

25%

Homeowners Policy (HO-2/HO-3/HO-5/HO-6/HO-8)

Coverages A-F, named vs. open perils, special limits, replacement cost vs. ACV, 80% coinsurance/insurance-to-value, ordinance or law, loss assessment, water damage, scheduled personal property.

10%

Dwelling Fire (DP-1/DP-2/DP-3)

Owner-occupied vs. landlord coverage, ACV (DP-1) vs. RC (DP-2/DP-3), V&MM, theft endorsements, vacancy provisions, Personal Liability Supplement, short-term rentals.

15%

Personal Umbrella & Excess Liability

Underlying limit requirements ($300,000 home / $250,000-$500,000 auto), drop-down vs. true-excess umbrellas, self-insured retention (SIR), personal injury offenses, watercraft/aircraft/business exclusions.

10%

Personal Inland Marine, Watercraft & RV

Personal Articles floaters and HO 04 61 scheduling, watercraft thresholds (25 HP/26 ft / 50 HP), Boatowners and Yacht policies, Miscellaneous Type Vehicle endorsement, RV-specific extensions.

10%

Risk Identification & Coverage Recommendation

Exposure surveys, frequency vs. severity, coverage checklists, gap analysis, life-event reviews, business pursuits, limit recommendations, scheduled personal property strategies.

Producer Conduct & E&O

Documentation of recommendations and rejections, anti-rebating laws, binders, mortgage clauses, ethical responsibility, common personal lines E&O patterns and defenses.

How to Pass the CIC Personal Lines Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $425 per course

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CIC Personal Lines Study Tips from Top Performers

1Memorize PAP Coverage parts (A liability, B Med Pay, C UM/UIM, D Physical Damage) and the definitions of named insured, family member, and 'occupying.'

2Build a one-page chart that compares HO-2, HO-3, HO-5, HO-6, and HO-8 by perils, loss settlement, eligibility, and key sub-limits.

3Drill the 80% coinsurance/insurance-to-value formula on partial dwelling losses - calculate by hand until it is automatic.

4Know the watercraft horsepower and length thresholds (typically 25 HP outboard / 50 HP inboard / 26 ft sailing) and which policies fix each gap.

5Practice umbrella scenarios: identify required underlying limits, when drop-down with SIR applies, and when an exclusion (e.g., aircraft, business pursuits) leaves the loss uncovered.

Frequently Asked Questions

What is the CIC Personal Lines Institute?

The Personal Lines Institute is one of seven CIC institute courses offered by the National Alliance / Risk & Insurance Education Alliance. It is a 2-day (16-hour) instructor-led course (classroom or virtual) followed by a 2-hour proctored exam. The course focuses on personal auto, homeowners, dwelling fire, personal umbrella, watercraft, and recreational vehicles.

What is the format and passing score of the CIC Personal Lines exam?

The exam is a 2-hour proctored test featuring essay and multiple-choice/scenario questions tied to the policy forms covered in class. The passing score is generally 70%. Candidates may retake the exam (typically by re-registering for a future course offering) until they pass.

How much does the CIC Personal Lines course and exam cost?

Course tuition (which includes the end-of-course exam) is approximately $425 per institute, with pricing varying by location and format. Five institutes are required to earn the CIC designation, and an annual update is required to maintain the designation.

What topics are covered on the CIC Personal Lines exam?

The exam tests Personal Auto Policy (Coverages A-D, UM/UIM, endorsements), Homeowners forms (HO-2/HO-3/HO-5/HO-6/HO-8 including special limits, RC vs. ACV, and the 80% coinsurance trigger), Dwelling Fire forms (DP-1/DP-2/DP-3), Personal Umbrella (underlying limits, drop-down, SIR), watercraft and RV exposures, risk identification, and producer conduct/E&O.

Who should take the CIC Personal Lines course?

The Risk & Insurance Education Alliance recommends at least two years of insurance or risk-management experience. The course is designed for personal lines producers, account managers, CSRs, and underwriters who want to deepen their command of personal lines policy forms and coverage analysis as part of the CIC designation track.

How long does it take to earn the full CIC designation?

Candidates have 5 calendar years from the date of their first passed CIC exam to complete five institutes (or 4 CIC plus 1 CRM/CPRM). Most candidates complete 1-2 institutes per year. To maintain the CIC, designees must complete an approved update course by the end of their birth month each year.