CISR Personal Auto case studies
CISR Personal Auto · Put your knowledge to work in context.
CISR Insuring Personal Auto Exposures is one of nine one-day courses in the Certified Insurance Service Representatives (CISR) designation program, an intermediate-level educational program directed at customer service representatives and account managers in agencies, insurance companies, and insurance-related businesses. The course is built around the ISO Personal Auto Policy and is designed to help service staff identify a client's personal auto exposures, explain policy limitations and exclusions, and suggest ways to close coverage gaps. The CISR Personal Auto case studies are 6 cases and about 3,736 words.
1The Roommate's Jeep and the Delivery Gig
The Barretts' PAP lists a 2019 Subaru Outback and a 2016 Ford F-150 at 250/500/100 liability limits. Their daughter Maya, 19, is a full-time student who keeps the Outback with her in a dormitory 300 miles from home; the Barretts never told the insurer that the garaging address changed.
664 words, about 3 min2The Driveway, the Borrowed Splitter, and the Defense Bill
carries 100/300/50 liability, a 500 collision deductible, and a 250 other-than-collision deductible. Backing his F-250 out of a tight driveway at dusk, he clipped a brick pillar and crushed the neighbor's 6,800 retaining wall.
618 words, about 3 min3The Okonkwo Family and Two Separate Injuries
The Okonkwos' PAP shows 5,000 of medical payments coverage; they live in a tort-liability state, not a no-fault state. Their son Emeka, 22, is a full-time student living at home.
616 words, about 3 min4Rosa, the Minimum-Limits Driver, and the Phantom Car
Rosa Delgado carries 100/300 uninsured/underinsured motorist coverage on a two-vehicle policy. She is a passenger in her friend Tessa's car when a driver runs a red light; that driver carries the state minimum 25/50 and his insurer tenders 25,000.
587 words, about 3 min5Graham's Ram, Four Losses, and Three Deductibles
Graham's PAP covers a financed 2021 Ram 1500 with a 500 collision deductible and a 250 other-than-collision deductible. He declined gap coverage; the lender, listed as loss payee, is still owed 14,000.
601 words, about 3 min6Nine Days in Phoenix: The Rental Minivan
The Castillos fly to Phoenix and rent a minivan for nine days at 85 a day. The counter agent offers a loss damage waiver at 29 a day and supplemental liability insurance at 14 a day.
650 words, about 3 min