100+ Free CISR Personal Auto Practice Questions

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Under PAP Part A, what does 'bodily injury' include?

Damage to a third party's vehicle only

Bodily harm, sickness, disease, and resulting death

Mental anguish without any physical contact

Damage to the named insured's auto

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2026 Statistics

Key Facts: CISR Personal Auto Exam

100

Practice Questions

OpenExamPrep CISR-PA bank

70%

Passing Score

Risk & Insurance Education Alliance

$295

Course Fee

National Alliance pricing

5 of 9

Courses for CISR

National Alliance

$250

Bail Bond Limit

PAP supplementary payments

ISO PAP

Policy Form

Industry standard

CISR Personal Auto is a one-day Personal Auto Policy course with a 70% passing score. It covers PAP Coverages A-D, named operator and extended non-owned endorsements, financial responsibility, no-fault, and producer conduct.

Sample CISR Personal Auto Practice Questions

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

1Under PAP Part A, what does 'bodily injury' include?

A.Damage to a third party's vehicle only

B.Bodily harm, sickness, disease, and resulting death

C.Mental anguish without any physical contact

D.Damage to the named insured's auto

Explanation: The PAP defines bodily injury as bodily harm, sickness, or disease, including death that results from any of these. It is the trigger for Part A liability and also relevant to Med Pay and UM/UIM.

2Which of the following is the BEST description of split limits in PAP Part A?

A.A single combined limit applied to BI and PD per accident

B.Separate limits for BI per person, BI per accident, and PD per accident

C.One limit shared between all PAP parts

D.A per-claim deductible for liability

Explanation: Split limits show three numbers: bodily injury per person, bodily injury per accident, and property damage per accident. Insurers list them as 100/300/100 or similar.

3What is the primary advantage of writing PAP Part A on a Combined Single Limit (CSL)?

A.It always costs less than split limits

B.One limit applies per accident to BI and PD combined, providing maximum flexibility

C.It eliminates the need to defend the insured

D.It pays inside the limit for defense costs

Explanation: With a CSL, one dollar limit per accident applies to BI and PD combined. The insured can allocate the limit where it is needed most, which is especially valuable for severe single-claimant losses.

4Are PAP defense costs paid inside or outside the Part A limit of liability?

A.Inside the limit, reducing what is available for damages

B.Outside the limit, in addition to the limit

C.Only paid if the insured is found liable

D.Only paid in court-awarded judgments

Explanation: Under the PAP, the insurer's duty to defend and the cost of that defense are in addition to the limit of liability. Defense costs do not erode the limit available to pay damages.

5Under the PAP supplementary payments, what is the maximum the insurer will pay for the cost of bail bonds required because of an accident?

A.$100

B.$250

C.$500

D.$1,000

Explanation: The PAP supplementary payments include up to $250 for bail bonds required because of an accident or traffic law violation arising out of the use of a covered auto. This is paid in addition to the limit of liability.

6Under the PAP, post-judgment interest on the entire judgment is a:

A.Damage paid only inside the limit of liability

B.Supplementary payment paid in addition to the limit

C.Optional coverage that must be endorsed onto the policy

D.Cost the insured must pay personally

Explanation: Interest accruing after entry of judgment is a supplementary payment under the PAP and is paid in addition to the Part A limit. The insurer's obligation continues until it pays, offers, or deposits the limit.

7How much will the PAP supplementary payments pay the insured for loss of earnings to attend hearings or trials at the insurer's request?

A.Up to $50 per day

B.Up to $200 per day

C.Up to $500 in total

D.No reimbursement is provided

Explanation: The PAP pays up to $200 a day for loss of earnings, not other income, because of attendance at hearings or trials at the insurer's request. It is a supplementary payment in addition to the limit.

8A friend borrows the named insured's covered auto with permission and causes an at-fault accident. Under PAP Part A, this driver is:

A.Not insured because they are not the named insured

B.An insured because they are using a covered auto with permission

C.Insured only if they are a family member

D.Excluded unless added by endorsement

Explanation: Persons insured under Part A include any person using the named insured's covered auto. Permissive use extends Part A liability to permitted drivers within the policy limits.

9Which of the following is excluded under PAP Part A — Liability?

A.Bodily injury to a third-party pedestrian

B.Property damage to a neighbor's fence

C.Bodily injury intentionally caused by the insured

D.Property damage to a parked vehicle

Explanation: PAP Part A excludes bodily injury or property damage caused intentionally by or at the direction of the insured. Negligent third-party damages remain covered subject to other policy terms.

10Which use of a covered auto is excluded under PAP Part A?

A.Driving to and from work

B.Carpooling on a shared-expense basis

C.Use as a public or livery conveyance, including ride-hailing

D.Driving to the airport for a personal trip

Explanation: PAP Part A excludes liability while a vehicle is used as a public or livery conveyance, which includes typical ride-hailing or for-hire transportation. Share-the-expense carpools are specifically excepted from this exclusion.

About the CISR Personal Auto Exam

CISR Personal Auto Exposures is one of nine CISR specialty courses. It is a deep dive into the Personal Auto Policy (PAP), eligibility, definitions, persons insured, Coverages A-D, common endorsements, financial responsibility laws, and producer conduct.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$295 per course (Risk & Insurance Education Alliance)

CISR Personal Auto Exam Content Outline

25%

PAP Coverage A — Liability

Bodily injury, property damage, split limits vs CSL, supplementary payments, defense outside limits, exclusions

20%

Coverage B — Med Pay & Coverage C — UM/UIM

Medical payments to insureds, uninsured/underinsured motorist, stacking variations by state

15%

Coverage D — Damage to Auto

Collision vs Other Than Collision, ACV settlement, deductibles, transportation expense, towing & labor, custom equipment

15%

Eligibility, Definitions & Persons Insured

Named insured, family member, residing in household, owned vs newly acquired, non-owned auto, eligibility

15%

PAP Endorsements

Named operator (CA 99 03), extended non-owned coverage, named non-owner, miscellaneous-type vehicle, joint ownership

Symbols & No-Fault Concepts

Financial responsibility laws, compulsory insurance, PIP/no-fault states, tort thresholds, SR-22 filings

Producer Conduct

Coverage explanations, documentation, E&O prevention, fiduciary duty, fair dealing with insureds

How to Pass the CISR Personal Auto Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $295 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

CISR Personal Auto Study Tips from Top Performers

1Memorize the PAP coverage parts A through F and what each one provides

2Study supplementary payments — bail bonds up to $250, post-judgment interest, and defense outside limits

3Know the difference between Collision and Other Than Collision losses, and which causes belong to each

4Practice eligibility rules — owned, newly acquired, temporary substitute, and non-owned autos

5Compare named operator, extended non-owned, and named non-owner endorsements side by side

Frequently Asked Questions

How many questions are on the CISR Personal Auto exam?

The CISR Personal Auto course exam typically uses 50 multiple-choice questions delivered after the one-day course; 70% is required to pass.

What does the PAP Part A liability section cover?

Part A covers bodily injury and property damage the insured becomes legally liable for, with defense costs paid in addition to limits.

What is the difference between split limits and a Combined Single Limit?

Split limits show separate BI per person, BI per accident, and PD per accident; CSL provides one shared limit per accident for BI and PD combined.

How does the PAP define 'family member'?

A family member is a person related to the named insured by blood, marriage, or adoption who is a resident of the named insured's household, including a ward or foster child.

How long do you have to report a newly acquired auto under the PAP?

Reporting timeframes vary by edition and replacement vs additional vehicle, but a common rule is to notify the insurer within 14 days for additional autos and 4 days for replacements seeking broader coverage.

Does the PAP cover damage to a customer's car if my client is racing?

No. The PAP excludes loss while the vehicle is being used in any prearranged or organized racing or speed contest.