Pass4Test의Insurance Licensing인증 NY-Independent-General-Adjuster덤프는 고객님의 IT인증자격증을 취득하는 소원을들어줍니다. IT업계에 금방 종사한 분은 자격증을 많이 취득하여 자신만의 가치를 업그레이드할수 있습니다. Pass4Test의Insurance Licensing인증 NY-Independent-General-Adjuster덤프는 실제 시험문제에 대비하여 연구제작된 퍼펙트한 시험전 공부자료로서 시험이 더는 어렵지 않게 느끼도록 편하게 도와드립니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 6% | - Licensing Requirements
|
| Topic 2: Dwelling Policy | 6% | - Property Coverages
|
| Topic 3: Insurance Basics | 6% | - Insurance Contracts
|
| Topic 4: Adjusting Losses | 11% | - Claim Settlement
|
| Topic 5: Medical Reports and Terminology | 4% | - Injuries, Diseases and Medical Tests
|
| Topic 6: Homeowners Policy | 10% | - Coverage Forms
|
| Topic 7: Personal Inland Marine | 13% | - Personal Effects Floater
|
| Topic 8: Commercial Package Policy | 38% | - Transportation Coverages
|
| Topic 9: Accident and Health Insurance Basics | 6% | - Limited Policies
|
>> NY-Independent-General-Adjuster인증덤프공부문제 <<
Insurance Licensing NY-Independent-General-Adjuster인증시험을 패스하고 자격증 취득으로 하여 여러분의 인생은 많은 인생역전이 이루어질 것입니다. 회사, 생활에서는 물론 많은 업그레이드가 있을 것입니다. 하지만NY-Independent-General-Adjuster시험은Insurance Licensing인증의 아주 중요한 시험으로서NY-Independent-General-Adjuster시험패스는 쉬운 것도 아닙니다.
질문 # 24
An example of the insured's consideration is
정답：D
설명：
The correct answer is B. Consideration is one of the elements required for an enforceable insurance contract.
Consideration means something of legal value exchanged between the contracting parties. From the insured's side of an insurance transaction, the principal consideration consists of the premium, together with the representations and promises made in the application. From the insurer's side, consideration is the contractual promise to provide the insurance protection and pay covered claims according to the policy terms.
Of the available choices, a paid premium is therefore the clearest and most direct example of the insured's consideration. An application, option A, is primarily the mechanism through which the prospective insured requests coverage and provides underwriting information; the application itself is not the best answer to what constitutes consideration. A contract-signing requirement is procedural rather than the exchanged value supporting the contract. A notice of beneficiary is associated with identifying or changing the person entitled to receive certain policy benefits and is unrelated to contractual consideration.
The official Series 17-70 examination outline specifically places Contract Basics, Elements of a Legal Contract, Offer and Acceptance, and Consideration under Insurance Basics.
Accordingly, the premium supplied by the insured in exchange for the insurer's promise of coverage makes B correct.
질문 # 25
Under a Homeowners policy, which of the following is an insured location?
정답：A
설명：
The correct answer is A - Cemetery plots of any insured. The standardized Homeowners definition of
"insured location" is broader than the residence premises alone. It includes several specifically described locations connected with an insured, one of which is an individual or family cemetery plot or burial vault of an insured.
Published homeowners policy language reproduced in judicial decisions expressly lists individual or family cemetery plots or burial vaults of an insured within the definition of insured location.
An airport is not automatically an insured location merely because an insured happens to be present there.
Similarly, an office building used for business is not brought within the homeowners insured-location definition solely because an insured works there. Farmland is particularly important because homeowners wording generally includes vacant land other than farm land owned by or rented to an insured. Thus, farmland does not qualify under that provision.
The definition is especially significant for Section II liability coverage, because certain premises-related bodily injury or property damage exposures depend on whether a location qualifies as an insured location.
The official Series 17-70 outline tests Homeowners definitions, the HO-2 through HO-6 forms, Section II liability coverages, exclusions, and conditions.
Therefore, A is the only listed location expressly recognized by standard homeowners wording.
질문 # 26
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?
정답：A
설명：
The correct answer is A - Bodily injury. Commercial General Liability terminology defines "bodily injury" broadly to include bodily injury, sickness, or disease sustained by a person, including death resulting from any of these. Food poisoning from improperly prepared chicken salad constitutes sickness or disease affecting a person's body; because the customer dies as a result, the resulting death remains within the bodily-injury definition.
This scenario may also implicate the products-completed operations hazard, because the allegedly defective or contaminated food caused injury after being provided to the customer. Nevertheless, the question asks for the type of loss, not which CGL hazard classification applies. The loss is therefore bodily injury.
Property damage refers to physical injury to tangible property or qualifying loss of use and does not describe injury or death to a human being. "Health injury" is not the standardized CGL category used for this coverage.
Personal and advertising injury concerns specifically defined offenses such as false arrest, malicious prosecution, wrongful eviction, certain privacy violations, and specified publication-related offenses-not physical illness from contaminated food.
The Series 17-70 outline expressly covers CGL bodily injury and property damage liability, premises and operations, and products-completed operations.
질문 # 27
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
정답：A
설명：
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
질문 # 28
Under an HO-3 Policy, Coverage F - Medical Payments to Others applies to all of the following EXCEPT
정답：D
설명：
The correct answer is C. Coverage F - Medical Payments to Others provides limited no-fault medical- expense protection for qualifying bodily injury to persons other than an insured. Coverage commonly applies to persons injured on an insured location with permission, and in specified situations involving the insured's activities, residence employees, or animals.
A special rule applies to a residence employee. Medical Payments may cover a residence employee away from the insured location when the injury arises out of or in the course of the employee's work for the insured.
However, standard HO-3 analysis excludes a residence employee's injury occurring away from the insured location when the injury is unrelated to that employment.
The nanny in option C is engaged in personal shopping, not performing duties for the insured. The necessary employment connection therefore does not exist.
The meter reader in A is injured on the insured premises, the mail carrier in B has an injury arising from the insured's dog, and the invited family friend in D is injured while on the insured location. Those scenarios fall within the general scope of Coverage F, subject to normal policy conditions and exclusions.
The Series 17-70 outline tests Homeowners Coverage F - Medical Payments to Others, definitions, exclusions, and Section II conditions.
Therefore, C is correct.
질문 # 29
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