CISR Personal Auto study plan

Map the structure of the Personal Auto Policy (declarations, six coverage parts, conditions, exclusions) and label where each of the six exam domains lives in that structure

Define the key policy terms tested in Domain 2 - insured, family member, your covered auto, owned auto, newly acquired auto, non-owned auto, trailer, and private passenger auto - and state the practical effect of each definition

Distinguish liability coverage (Part A) from the other parts by identifying which damages each part pays and which it never pays

Work through at least 25 practice items on definitions and Part A liability and log every miss with the definition or exclusion that explains it

Apply the liability coverage limits as split limits (per person / per accident) and explain how a single accident is paid when multiple claimants exist

Identify who qualifies as an insured for the owned auto versus a non-owned auto and predict coverage outcomes for named insureds, resident relatives, and permissive users

List the major Part A exclusions - intentional damage, vehicles used for livery or ride-hailing, racing, business use of certain vehicle types, vehicles furnished for regular use - and match each to a scenario

Explain the interaction between Part A and the other parts when a claim involves both bodily injury and property damage

Complete 30 scenario-based liability questions and reach at least 80 percent correct

State what medical payments coverage pays, whose injuries it covers, and the time window for expenses after an accident

Contrast medical payments with personal injury protection by listing the additional loss types PIP can pay (lost wages, essential services, funeral expenses) and the role of state no-fault rules

Explain how medical payments and PIP coordinate with health insurance, workers compensation, and liability coverage without overstating what the policy says

Identify the exclusions that most often appear in exam items, including injuries during the course of employment and injuries in a vehicle used without a reasonable belief of permission

Answer 25 medical payments/PIP items and separate the ones missed for coverage-scope reasons from those missed for limit-calculation reasons

Define uninsured motorist and underinsured motorist status precisely, including hit-and-run, phantom vehicle, and insurer-insolvency situations where state rules permit

Explain how underinsured motorist coverage is triggered and how the injured party's recovery is calculated when liability limits are partly exhausted

Distinguish uninsured motorist bodily injury from uninsured motorist property damage and state which states treat them as separate coverages

Apply the stacking versus non-stacking concept and the effect of anti-stacking language on multiple-vehicle policies

Complete a timed 30-question UM/UIM set and record the reason for every miss

Distinguish collision from other than collision (comprehensive) and classify at least 12 causes of loss correctly, including weather, animal strike, theft, vandalism, and glass

Explain actual cash value versus replacement cost, how depreciation and betterment affect a settlement, and when a total loss determination is made

Apply the deductible to first-party physical damage claims and explain how a waiver of deductible works when another party is at fault

Identify the exclusions specific to Part D, including wear and tear, mechanical breakdown, and custom equipment limitations

Work 30 physical damage items and verify each settlement figure by hand

Explain how coverage for a rented vehicle applies to rental cars used for personal purposes, including whether the insured's own policy or the rental company's protection product responds first

State how loss of use, administrative fees, and diminished value are treated in a rental claim and which of these the policy does or does not pay

Describe the interaction between the insured's physical damage coverage and the rental agreement's damage waiver, and identify when a rental vehicle is a covered auto versus a non-owned auto

Revisit the two or three Part D concepts that produced the most misses in week 5 and re-test them

Complete 25 mixed rental and physical damage questions and reach 85 percent correct

Reconstruct the full policy structure from memory, including the order of the coverage parts and the function of the conditions section

Re-test the definitions and liability items missed in weeks 1 and 2 and confirm each is now answered correctly with a stated reason

Re-test medical payments and PIP items and resolve any remaining confusion about no-fault coordination

Identify cross-domain items that combine liability and medical payments or liability and UM, and practice separating the parts within a single question

Re-test UM/UIM calculation items and confirm correct handling of underinsured trigger, stacking, and setoff

Re-test physical damage and rental items and confirm correct deductible and ACV application

Take two full-length timed practice exams under exam conditions and record domain-level scores for each

Build a final one-page review sheet of the 20 facts most likely to be tested and the errors most often repeated

Schedule the exam and set a review cadence for the final days before it