NY-Independent-General-Adjuster証明書を取得することは、すべての新人初心者が夢見るタスクです。 それにより、リーダーの目で職場のエリートになるだけでなく、迅速な昇進と昇給を得ることができ、より良いビジネスに移行する機会があるかもしれません。 Insurance Licensingあなたが学生であろうとオフィスワーカーであろうと、あなたはここで満足することができ、NY-Independent-General-Adjuster試験トレントを選んだとしても後悔することはありません。我々Fast2testは成功した数十の候補者の何千ものを助けてきたために、その目的を達成。 NY-Independent-General-Adjuster試験に合格し、夢のNY-Independent-General-AdjusterのNewYorkIndependent General Adjuster (Series 17-70)認定を取得することは例外ではないと考えています。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | - License maintenance and duration - Bond requirements - Qualifications - Fingerprinting - Licensing requirements - License renewal - Licensing process - Temporary adjuster permits | |
| Topic 2: Dwelling and Homeowners Insurance | - New York specific endorsements - Personal umbrella policies - Personal liability supplement - Standard Fire Policy - Dwelling policies - Homeowners property coverage - Homeowners liability coverage | |
| Topic 3: Commercial Property | - Businessowners Policy - Commercial General Liability - Commercial property forms and endorsements - Commercial Package Policy - Commercial property coverage | |
| Topic 4: New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - Consumer privacy requirements - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - New York cybersecurity regulation - Insurance fraud and false statements | |
| Topic 5: Other Property and Liability Coverages | - Excess liability - Commercial automobile - Personal automobile - Flood insurance - Inland marine - Surety and fidelity bonds - Aviation insurance - Workers compensation - Ocean marine - Crime insurance | |
| Topic 6: Claims Adjustment Procedures | - Reservation of rights letters - Alternative dispute resolution - Settlement procedures - Non-waiver agreements - Negotiation - Competitive estimates - Draft authority - Arbitration - Subrogation procedures - Mediation - Releases - Appraisal - Claims adjustment procedures - Advance payments - Execution of releases - Coverage problems | |
| Topic 7: Commercial Package Policy | 38% | - Components of a commercial policy - Monoline versus package policies - Common policy conditions - First named insured - Common policy declarations |
| Topic 8: Insurance Principles and Concepts | - Morale hazards - Insurance principles and concepts - Concealment - Warranties - Hazards - Representations and misrepresentations - Waiver and estoppel - Moral hazards - Physical hazards - Insurable interest - Fraud - Insurance contracts |
>> NY-Independent-General-Adjusterテスト模擬問題集 <<
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質問 # 24
Leah provides transportation for her client to their business lunch. Leah's client closes the car door on her own hand. What type of coverage applies?
正解：B
解説：
The correct answer is C - Medical payments. Automobile Medical Payments coverage is designed to pay qualifying medical and funeral expenses for the insured and passengers injured in an accident involving the covered automobile, without regard to fault, up to the stated policy limit. New York DFS expressly describes Medical Payments Coverage in these terms.
The client closes the vehicle door on her own hand. No fact establishes negligence by Leah, so liability coverage is not the best answer. Liability coverage ordinarily responds when an insured becomes legally responsible for bodily injury or property damage to another person. Here, the passenger's own action caused the injury.
Physical Damage coverage is also incorrect because it protects against damage to the automobile itself, not bodily injury sustained by a passenger. Health insurance may ultimately address certain medical expenses depending on coordination-of-benefits rules, but it is not the automobile coverage specifically designed for this scenario.
In New York, mandatory No-Fault/PIP may also be relevant to injuries arising from the use or operation of a motor vehicle and is generally primary to health insurance. However, PIP is not one of the options. Among the listed answers, Medical Payments is the intended coverage classification.
Therefore, C is correct.
質問 # 25
Which of the following benefits are NOT paid under workers' compensation laws?
正解：D
解説：
The correct answer is C - Pain and suffering. Workers compensation is a statutory no-fault system designed to provide defined benefits for employees who suffer qualifying occupational injuries or illnesses. New York Workers' Compensation Board guidance identifies benefits including medical care, lost-wage benefits, disability-related awards, survivor benefits, and vocational rehabilitation services.
Workers compensation does not function like a negligence tort action. An injured employee generally does not receive damages for noneconomic elements such as pain, suffering, emotional distress, inconvenience, or loss of enjoyment of life merely because those consequences accompany the occupational injury. Statutory benefits replace the ordinary tort remedy against the employer for covered injuries, subject to limited exceptions under New York law.
Option A is therefore incorrect because vocational rehabilitation services are available to assist qualifying injured workers in returning to employment. Option D is incorrect because cash benefits for disability or lost earning capacity are fundamental workers compensation benefits. Independent medical examinations can also be required within the administration of workers compensation claims; they are not equivalent to tort damages for pain and suffering.
The Series 17-70 outline specifically tests New York Workers Compensation Law, exclusive remedy, covered injuries, benefits provided, disability, medical benefits, and claim procedures.
質問 # 26
Which of the following is a type of adjuster report?
正解：D
解説：
The correct answer is B - Interim Report. An interim report is a recognized claims-adjusting report used when an investigation or adjustment cannot yet be finalized. It updates the insurer concerning the current status of the claim, additional evidence obtained, developments since the preliminary report, revised reserves, outstanding documentation, coverage issues, recovery possibilities, or other material facts.
A strong example appears in FEMA's current NFIP Claims Manual. When an adjuster cannot complete the claim within the prescribed period following the preliminary report, an Interim Report is submitted and additional interim reports continue until the assignment can be concluded.
Option A is overly generic and is not the recognized report classification intended by the question. Option C, an appraisal report, may exist in valuation contexts but is not the standard adjuster-progress report being tested. Option D is incorrect because professional adjuster reporting should be factual and evidence-based rather than subjective.
The Series 17-70 examination framework places substantial emphasis on claims adjustment procedures, gathering evidence, loss valuation, coverage analysis, settlement procedures, and professional claim handling.
Accordingly, an Interim Report is the recognized adjuster report among the choices.
質問 # 27
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
正解：B
解説：
The correct answer is A - insurer. Under standard claims-made CGL wording, a claim by a person or organization seeking damages is generally considered made when notice of the claim is received and recorded by any insured or by the insurer, whichever occurs first. Judicial decisions reproducing standard claims-made CGL language apply exactly this trigger.
This differs fundamentally from an occurrence-based CGL policy. Under an occurrence form, coverage is principally tied to when the bodily injury or property damage occurs. Under a claims-made form, the timing of the claim being made-and where required, reported-becomes a central coverage trigger. A retroactive date and applicable Extended Reporting Period may also affect whether the claim is covered.
Receipt by the injured party does not constitute the relevant claim-made trigger because the injured party is ordinarily the person asserting the claim. Likewise, receipt by the claimant's attorney does not satisfy the contractual language. An insurance agent may transmit notice, but the standardized answer asks which party, in addition to an insured, is expressly identified in the claims-made provision: the insurer.
The Series 17-70 outline specifically tests occurrence versus claims-made, claims-made and reported coverage, trigger, retroactive date, and Extended Reporting Periods.
Therefore, A is correct.
質問 # 28
Which of the following are included in the basic coverage of Financial Institution Bonds?
正解：C
解説：
The correct answer is A - Counterfeit Currency. Financial Institution Bond Standard Form No. 24 is designed for commercial banks and similar financial institutions and incorporates a series of fundamental crime-related insuring agreements. Standard coverage includes fidelity, loss on premises, property in transit, forgery or alteration, securities exposures, and counterfeit currency protection. The counterfeit-currency insuring agreement covers qualifying direct loss resulting from the institution's good-faith receipt of counterfeit money.
The Series 17-70 outline specifically requires knowledge of Financial Institution Bonds, including Forms 14,
15, 23, 24, and 25 and their major insuring agreements.
Computer systems fraud can be insured through specialized crime/computer-fraud coverage or riders but is not the basic Standard Form No. 24 coverage intended by this question. Audit and claims expense is also generally an additional or specialized expense protection rather than one of the fundamental basic insuring agreements. Debit or credit card losses are subject to specialized provisions, exclusions, and optional coverages rather than constituting the basic answer.
The distinction is important: a financial institution bond is a package of fidelity/crime protections, but not every modern electronic-financial exposure is automatically within its basic form.
Therefore, A - Counterfeit Currency is correct.
質問 # 29
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