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NewYorkIndependent General Adjuster (Series 17-70) Question and Answers

NewYorkIndependent General Adjuster (Series 17-70)

Last Update Oct 8, 2026
Total Questions : 105

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Questions 1

All of the following would be covered by Other than Collision (Comprehensive) coverage EXCEPT

Options:

A.  

interior damage from an electrical fire.

B.  

auto body damage caused by a roll-over.

C.  

interior and exterior flood damage.

D.  

auto body damage from a hailstorm.

Discussion 0
Questions 2

The National Flood Insurance Program (NFIP) policies cover

Options:

A.  

indirect financial loss.

B.  

property against all direct loss from a flood.

C.  

loss of use.

D.  

sewer backup into a dwelling.

Discussion 0
Questions 3

Which of the following is covered by the Causes of Loss — Special Form under commercial property?

Options:

A.  

Smog.

B.  

Flood.

C.  

Mudslide.

D.  

Windstorm.

Discussion 0
Questions 4

A policy covering all causes of loss to an aircraft is known as

Options:

A.  

Comprehensive.

B.  

Named Perils.

C.  

All Inclusive.

D.  

Liability.

Discussion 0
Questions 5

A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is

Options:

A.  

professional liability.

B.  

workers' compensation.

C.  

fiduciary liability.

D.  

personal liability.

Discussion 0
Questions 6

After a loss occurs to an insured automobile, according to the conditions of a personal automobile insurance policy, what MUST the insured party do?

Options:

A.  

Report the vehicle collision to the local police.

B.  

Ensure premiums are paid up to date.

C.  

Refrain from legal action without the insurer's approval.

D.  

Permit the insurer to inspect the vehicle before it is repaired.

Discussion 0
Questions 7

Under an equipment breakdown coverage form, a breakdown would include

Options:

A.  

wear and tear.

B.  

leakage of valves.

C.  

explosion of a pressure vessel.

D.  

failure of a safety device.

Discussion 0
Questions 8

An adjuster cannot contact the insured or claimant once they retain the services of

Options:

A.  

an attorney except with permission.

B.  

an appraiser except in arbitration.

C.  

a medical professional.

D.  

a private investigator.

Discussion 0
Questions 9

Which of the following is NOT a basic peril on all homeowners forms?

Options:

A.  

Riot.

B.  

Smoke.

C.  

Volcanic eruption.

D.  

Flood.

Discussion 0
Questions 10

Which is NOT a type of bond?

Options:

A.  

Obligee.

B.  

Court.

C.  

Performance.

D.  

Bid.

Discussion 0
Questions 11

If insurance is used to establish proof of financial responsibility to comply with the Motor Carrier Act of 1980, what endorsement can be used?

Options:

A.  

Additional insured-lessor endorsement.

B.  

MCS-90 endorsement.

C.  

Individual named insured endorsement.

D.  

Mobile equipment endorsement.

Discussion 0
Questions 12

The Commercial Inland Marine Conditions Form, when attached to the Commercial Inland Marine Coverage Section, provides which of the following?

Options:

A.  

The insured party's duties in the event of a loss.

B.  

Transportation and/or communication coverage.

C.  

Natural disaster coverage.

D.  

Warranty of properly packed cargo.

Discussion 0
Questions 13

In a subrogation process, the role of the adjuster is to

Options:

A.  

not show just cause against the third party who caused the loss to the extent that their liability is clear.

B.  

determine general damages for the third party.

C.  

determine the amount of sums to be collected by the insurer from the third party.

D.  

determine the amount of premium to be collected by the insurer from the third party.

Discussion 0
Questions 14

At the insurer's request, an insured must assist the insurer in

Options:

A.  

enforcing any right of contribution or indemnity against any person liable to an insured.

B.  

making voluntary payments to claimants in advance of final settlement.

C.  

negotiating a settlement.

D.  

paying legal bills.

Discussion 0
Questions 15

Which of the following provides high-quality magnetic images of body areas without the use of ionizing radiation?

Options:

A.  

CAT scanning.

B.  

Ultrasound.

C.  

MRI.

D.  

X-Rays.

Discussion 0
Questions 16

Which of the following exposures would be necessary to purchase a garage coverage form?

Options:

A.  

Moving company.

B.  

Self-serve carwash.

C.  

Auto parts store.

D.  

Franchise auto dealer.

Discussion 0
Questions 17

Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the

Options:

A.  

application.

B.  

insuring agreement.

C.  

territory provision page.

D.  

declarations page.

Discussion 0
Questions 18

Which of the following are included in the basic coverage of Financial Institution Bonds?

Options:

A.  

Counterfeit Currency.

B.  

Audit and Claims Expense.

C.  

Computer Systems Fraud.

D.  

Debit Card Coverage.

Discussion 0
Questions 19

The final step of the claims process usually involves which of the following?

Options:

A.  

The claims representative and the insured discuss details of the loss valuation to agree on the amount the insurer will pay to settle the loss.

B.  

The claims representative prepares a historical loss run for the insured at the time of final payment.

C.  

The claims representative submits the final claim payment report to the state insurance department.

D.  

The claims representative adjusts the initial reserves.

Discussion 0
Questions 20

What type of insurance covers goods in transit over water?

Options:

A.  

Cargo.

B.  

Piracy.

C.  

Freight.

D.  

Protection and indemnity.

Discussion 0
Questions 21

On a Commercial General Liability claims-made policy, a claim is first made when notice of the claim is received by the insured party or the

Options:

A.  

insurer.

B.  

injured party.

C.  

insurance agent.

D.  

attorney for the injured party.

Discussion 0
Questions 22

Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the

Options:

A.  

insured is the landlord.

B.  

building is vacant.

C.  

insured is the owner-occupant.

D.  

insured personal property belongs to the landlord.

Discussion 0
Questions 23

Under a homeowners policy, the duties of the insured after a loss to property are contained in which section of the policy?

Options:

A.  

Insuring agreement.

B.  

Conditions.

C.  

Definitions.

D.  

Coverages.

Discussion 0
Questions 24

A travel accident policy and a dread-disease contract are examples of

Options:

A.  

group health policies.

B.  

family health policies.

C.  

personal health policies.

D.  

limited health insurance policies.

Discussion 0
Questions 25

In order to provide coverage for land-based maritime employees, which endorsement MUST be added to the standard Workers' Compensation Policy?

Options:

A.  

U.S. Maritime Endorsement.

B.  

Federal Employers Liability Endorsement.

C.  

Crew, Harbor Masters, and Pilots Endorsement.

D.  

U.S. Longshore and Harbor Workers Compensation Endorsement.

Discussion 0
Questions 26

What is the purpose of the Insurance Frauds Prevention Act?

Options:

A.  

Identify the requirements that underwriters need to follow in order to evaluate risk.

B.  

Regulates the use of advertising an insurer can use when selling insurance products.

C.  

Protects the consumer against illegal activity in the issuance of policies and payment of claims.

D.  

Requires an insurer to publicly disclose its capital reserves for each fiscal year.

Discussion 0
Questions 27

Accident-only policies commonly include benefits due to losses related to

Options:

A.  

accidental illnesses.

B.  

congenital diseases.

C.  

accidents or fortuitous events.

D.  

nonintentional bodily injury, regardless of accidental nature.

Discussion 0
Questions 28

When investigating a liability claim against your insured, the insured calls you and requests that you deny the claim because the insured believes the claim lacks merit. As the adjuster you CANNOT

Options:

A.  

notify the insurer of the insured's request.

B.  

deny the claim simply because of the insured's request.

C.  

refuse the insured's request.

D.  

contact the claimant to further explore the facts of the claim.

Discussion 0
Questions 29

An individual is injured while loading a vessel on U.S. navigable waters. Under which Act would they be covered?

Options:

A.  

The Jones Act.

B.  

The U.S. Coast Guard Act.

C.  

Federal Employers Liability Act (FELA).

D.  

U.S. Longshore and Harbor Workers' Compensation Act.

Discussion 0
Questions 30

A broken bone is the same as a

Options:

A.  

fracture.

B.  

dislocation.

C.  

sprain.

D.  

strain.

Discussion 0
Questions 31

Which of the following benefits are NOT paid under workers' compensation laws?

Options:

A.  

Vocational rehabilitation.

B.  

Independent medical.

C.  

Pain and suffering.

D.  

Disability income.

Discussion 0