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| Section | Weight | Objectives |
|---|---|---|
| Personal Inland Marine | 13% | - Personal Property Floater
|
| Homeowners Policy | 10% | - Selected Endorsements
|
| Commercial Package Policy | 38% | - Commercial Policy Components
|
| Insurance Regulation | 6% | - Licensing Requirements
|
| Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Medical Reports and Terminology | 4% | - Medical Terminology
|
| Accident and Health Insurance Basics | 6% | - Accident and Health Claims
|
| Insurance Basics | 6% | - Insurance Contracts
|
| Adjusting Losses | 11% | - Claim Settlement
|
>> NY-Independent-General-Adjuster Valid Exam Sample <<
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NEW QUESTION # 96
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?
Answer: A
Explanation:
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.
NEW QUESTION # 97
Which of the following benefits are NOT paid under workers' compensation laws?
Answer: C
Explanation:
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.
NEW QUESTION # 98
An insurance contract is a contract of utmost good faith because the insurer relies on the truthfulness of the applicant and the insured relies on the insurer's promise to
Answer: B
Explanation:
The correct answer is C - pay the claims. Insurance contracts traditionally incorporate the doctrine of utmost good faith, sometimes expressed by the Latin term uberrimae fidei. The insurance transaction depends heavily on truthful and complete disclosure because the applicant possesses material information concerning the risk, while the insured depends upon the insurer to perform its contractual obligations when an insured loss occurs.
The Series 17-70 official outline expressly identifies utmost good faith, representations, misrepresentations, warranties, concealment, fraud, waiver, and estoppel as legal concepts affecting insurance contracts.
The applicant's obligation is therefore to make truthful representations concerning matters material to underwriting and coverage. Correspondingly, after a covered loss and satisfaction of applicable policy conditions, the insurer must honor its contractual promise to indemnify or otherwise provide the benefits specified by the policy.
Option A is incomplete because simply issuing a policy does not capture the insurer's principal performance obligation after coverage attaches. Filing regulatory reports is a statutory or administrative responsibility and is not the reciprocal contractual promise on which the insured relies. Charging a fair premium is also not the defining reciprocal duty in the doctrine being tested.
Accordingly, the insured relies on the insurer's promise to pay valid covered claims according to the contract, making C correct.
NEW QUESTION # 99
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the
Answer: A
Explanation:
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.
NEW QUESTION # 100
A commercial umbrella policy provides coverage in which of the following situations?
Answer: B
Explanation:
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
NEW QUESTION # 101
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