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| Section | Weight | Objectives |
|---|---|---|
| Adjusting Losses | 11% | - Role of the Adjuster
|
| Insurance Basics | 6% | - Insurance Contracts
|
| Personal Inland Marine | 13% | - Personal Effects Floater
|
| Commercial Package Policy | 38% | - Transportation Coverages
|
| Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Accident and Health Insurance Basics | 6% | - Limited Policies
|
| Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Insurance Regulation | 6% | - License Maintenance
|
| Medical Reports and Terminology | 4% | - Basic Human Anatomy
|
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NEW QUESTION # 15
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: A
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 16
Under a homeowners policy, the duties of the insured after a loss to property are contained in which section of the policy?
Answer: A
Explanation:
The correct answer is B - Conditions. In a homeowners policy, the insured's contractual obligations following a property loss are contained under Section I - Conditions, generally within a provision titled Duties After Loss.
Those duties typically require the insured to provide prompt notice of the loss, notify police when appropriate, protect the property against further damage, make reasonable emergency repairs, prepare an inventory of damaged personal property, cooperate with the insurer's investigation, show damaged property when requested, provide requested records and documents, and submit a signed proof of loss when required. Policy wording reproduced in court decisions expressly places "Duties After Loss" within Section I - Conditions.
The Insuring Agreement, option A, establishes the basic coverage promise. Definitions, option C, establish contractual meanings of designated terms. Coverages, option D, identify the types of property or loss protected by the contract. None of those sections is the primary location for the insured's post-loss procedural duties.
This distinction matters to an adjuster because compliance with policy conditions can affect claim investigation and, depending on the policy and governing law, the insured's entitlement to payment.
The Series 17-70 outline expressly tests Homeowners Conditions and adjusting-loss topics including the insured's duties after a loss, notice, mitigation, proof of loss, and production of records.
NEW QUESTION # 17
What percentage of loss of wages is covered under Personal Injury Protection (PIP)?
Answer: C
Explanation:
The correct answer is C - 80%. New York's mandatory No-Fault system, formally established under the Comprehensive Motor Vehicle Insurance Reparations Act, provides Personal Injury Protection benefits for qualifying basic economic loss resulting from a motor vehicle accident.
New York Department of Financial Services guidance states specifically that Basic No-Fault coverage pays
80% of lost earnings from work, subject to a maximum payment of $2,000 per month for up to three years from the date of the accident. Applicable statutory offsets may reduce the amount payable, including qualifying Workers Compensation, New York disability, or federal Social Security disability benefits.
PIP also includes reasonable and necessary accident-related medical and rehabilitation expenses, specified other necessary expenses, and a death benefit, all subject to the statutory structure and the basic No-Fault limit.
The Series 17-70 official outline directly identifies the Comprehensive Motor Vehicle Insurance Reparations Act (PIP), medical expenses, rehabilitation, loss of earnings, funeral expenses, substitution services, OBEL, and additional PIP as examination content.
Option D is incorrect because No-Fault does not replace 100% of wages. Options A and B understate the statutory percentage.
Accordingly, the New York PIP wage-loss percentage tested by this question is 80%, making C correct.
NEW QUESTION # 18
Which of the following provides high-quality magnetic images of body areas without the use of ionizing radiation?
Answer: B
Explanation:
The correct answer is C - MRI. Magnetic Resonance Imaging (MRI) produces detailed images by using a powerful magnetic field, radiofrequency energy, and computer processing. Unlike conventional X-rays and computed tomography (CAT/CT), MRI does not use ionizing radiation.
The U.S. Food and Drug Administration confirms that MR images are created without ionizing radiation and notes that MRI provides especially strong soft-tissue contrast, allowing differentiation among structures such as muscle, fat, water-containing tissues, joints, the brain, and other organs.
CAT or CT scanning, option A, uses X-ray technology and therefore involves ionizing radiation.
Conventional X-rays, option D, obviously also rely on ionizing radiation. Ultrasound, option B, does not use ionizing radiation either; it uses high-frequency sound waves. However, the question specifically asks for high-quality magnetic images, which uniquely identifies MRI among the choices.
An adjuster handling accident, disability, health, or workers compensation claims must understand diagnostic terminology because medical imaging reports may establish the existence, severity, location, and causation of an alleged injury.
The Series 17-70 outline specifically tests Understanding the Language of Medical Reports, including medical terminology and abbreviations, basic anatomy, and common injuries and diseases.
NEW QUESTION # 19
A special limitation applies to business income losses under a Businessowners Policy (BOP). This limitation applies to losses resulting from loss or damage to
Answer: D
Explanation:
The correct answer is D - electronic media and records. The Businessowners Policy contains a specific limitation affecting Business Income loss caused by direct physical loss of or damage to Electronic Media and Records. This category includes electronic data-processing, recording, or storage media, data stored on such media, and programming records used for electronic data processing or electronically controlled equipment.
Under standard BOP wording, Business Income attributable to damage to electronic media and records is limited to the longer of 60 consecutive days after the direct physical loss or the period reasonably necessary to repair, rebuild, or replace other property damaged by the same occurrence at the described premises.
The purpose is to prevent an open-ended Business Income period solely because restoration or recreation of data takes substantially longer than restoration of the physical equipment or other damaged property.
Security systems and outdoor signs can have their own property limitations, while foundations and retaining walls are addressed through other covered-property or limitation provisions. They are not the subject of this specific Business Income limitation.
The Series 17-70 outline requires knowledge of BOP Business Income, Extra Expense, covered property, limitations, exclusions, loss conditions, and definitions.
Therefore, D is correct.
NEW QUESTION # 20
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