NY-Independent-General-Adjuster套裝 - NY-Independent-General-Adjuster認證題庫

如果你想通過困難的NY-Independent-General-Adjuster認證考試，那麼在準備考試時不使用相關考試資料是絕對不行的。如果你想找到適合你自己的優秀的資料，那麼你最應該來的地方就是KaoGuTi。KaoGuTi的知名度很高，擁有很多與IT認證相關的優秀的考試考古題。而且所有的考古題都免費提供demo。如果你想知道KaoGuTi的考古題是不是適合你，那麼先下載考古題的demo體驗一下吧。

Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Dwelling Policy	6%	- Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use - Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements
Topic 2: Accident and Health Insurance Basics	6%	- Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims - Types of Coverage 1. Accidental Injury and Sickness 2. Disability, Medical and Long-Term Care
Topic 3: Personal Inland Marine	13%	- Personal Property Floater 1. Coverage and Eligible Property - Personal Articles Floater 1. Scheduled Personal Property - Personal Effects Floater 1. Coverage and Loss Settlement
Topic 4: Medical Reports and Terminology	4%	- Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties - Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Basic Human Anatomy 1. Cardiovascular and Abdominal Systems 2. Skeletal, Nervous and Respiratory Systems
Topic 5: Insurance Regulation	6%	- Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting - License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting
Topic 6: Homeowners Policy	10%	- Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages - Perils, Exclusions and Conditions 1. Perils Insured Against 2. Exclusions and Conditions - Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Coverage Forms 1. HO-8 2. HO-2 through HO-6 - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions
Topic 7: Adjusting Losses	11%	- Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation - Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Role of the Adjuster 1. Duties and Responsibilities 2. Independent, Staff and Public Adjusters
Topic 8: Insurance Basics	6%	- Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment - Insurance Principles 1. Insurable Interest and Indemnity 2. Hazards, Negligence and Liability 3. Causes and Valuation of Loss - Policy Structure 1. Declarations, Conditions and Exclusions 2. Limits, Deductibles and Other Insurance 3. Subrogation, Salvage and Loss Settlement
Topic 9: Commercial Package Policy	38%	- Commercial Inland Marine 1. Marine Definition and Conditions 2. Jewelers Block, Signs and Electronic Data Processing 3. Contractors Equipment and Installation Floaters 4. Accounts Receivable and Valuable Papers - Transportation Coverages 1. Motor Truck Cargo 2. Transit Coverage 3. Common Carrier Legal Liability - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions

>> NY-Independent-General-Adjuster套裝 <<

NY-Independent-General-Adjuster套裝：NewYorkIndependent General Adjuster (Series 17-70)確定通過考試

KaoGuTi的產品不僅可以幫你順利通過Insurance Licensing NY-Independent-General-Adjuster 認證考試，而且還可以享用一年的免費線上更新服務，把我們研究出來的最新產品第一時間推送給客戶，方便客戶對考試做好充分的準備。如果你考試失敗，我們會全額退款給你。

最新的 New York Insurance NY-Independent-General-Adjuster 免費考試真題 (Q33-Q38):

問題 #33
Which of the following two perils are excluded under the dwelling broad form if a building is vacant for more than 30 consecutive days?

A. Damage by burglars and accidental discharge of water or steam.
B. Falling objects and accidental discharge of water or steam.
C. Weight of ice, snow, or sleet and freezing of plumbing.
D. Freezing of plumbing and falling objects.

答案：A

解題說明：
The intended answer is B. Under the dwelling broad form, the two named-peril provisions carrying the vacancy limitation tested by this item are Damage by Burglars and Accidental Discharge or Overflow of Water or Steam. Older DP 00 02 language provided that damage by burglars was not covered when the dwelling had been vacant for more than 30 consecutive days, and the accidental-discharge peril contained the same 30-day vacancy restriction.
Falling Objects and Weight of Ice, Snow, or Sleet have their own coverage limitations, but the specific vacancy restriction presented here does not apply to those perils. Freezing is controlled by separate requirements concerning reasonable care to maintain heat or shut off the water supply and drain the systems.
For Series 17-70 accuracy, there is an important edition distinction: the official New York outline identifies the Dwelling (2014) Policy, and ISO DP 00 02 07 14 changed the comparable vacancy period to 60 consecutive days, not 30. The same two relevant perils remain Damage by Burglars and Accidental Discharge
/Overflow of Water or Steam.
Thus, B is the intended answer, while the video's "30 consecutive days" language reflects the older dwelling- form edition.

問題 #34
Under a Homeowners policy, which of the following is an insured location?

A. Cemetery plots of any insured.
B. Office building.
C. Farmland.
D. Airport.

答案：A

問題 #35
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT

A. a water heater.
B. attached bathroom fixtures.
C. unattached appliances.
D. built-in kitchen cabinets.

答案：C

解題說明：
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.

問題 #36
A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is

A. professional liability.
B. workers' compensation.
C. personal liability.
D. fiduciary liability.

答案：A

解題說明：
The correct answer is A - professional liability. Professional liability insurance, frequently called Errors and Omissions (E & O) coverage, addresses liability resulting from negligence, errors, omissions, or failure to provide the level of skill or professional service reasonably expected within a particular profession.
The Insurance Information Institute explains that professionals are expected to possess specialized knowledge or training and perform according to the standards of conduct applicable to their profession. When a professional fails to exercise the required degree of skill and a client suffers harm, professional liability insurance is designed to address that exposure, subject to policy terms.
Workers Compensation protects employees for qualifying employment-related injury or occupational disease; it does not insure a professional against claims alleging negligent professional services. Fiduciary liability is narrower and addresses breaches of fiduciary responsibility, particularly in connection with employee benefit plans or entrusted assets. Personal liability generally addresses nonbusiness personal activities rather than professional malpractice.
Professional liability forms are often tailored to the occupation involved. For doctors, the coverage is commonly called medical malpractice; for lawyers, accountants, consultants, architects, insurance professionals, and similar occupations, professional liability or E & O terminology is common.
The Series 17-70 curriculum requires the adjuster to distinguish specialized liability exposures as well as negligence and standards of legal responsibility.
Therefore, A is correct.

問題 #37
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?

A. They should cooperate and assist in the investigation of a claim if they feel they can be helpful.
B. They should provide notice to the insurer of all business matters.
C. They must promptly notify the insurer of an occurrence that may result in a claim.
D. They must provide written notice of a claim or suit within 7 days of an occurrence.

答案：C

解題說明：
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.

問題 #38
......

要想通過Insurance Licensing NY-Independent-General-Adjuster考試認證，選擇相應的培訓工具是非常有必要的，而關於Insurance Licensing NY-Independent-General-Adjuster考試認證的研究材料是很重要的一部分，而我們KaoGuTi能很有效的提供關於通過Insurance Licensing NY-Independent-General-Adjuster考試認證的資料，KaoGuTi的IT專家個個都是實力加經驗組成的，他們的研究出來的材料和你真實的考題很接近，幾乎一樣，KaoGuTi是專門為要參加認證考試的人提供便利的網站，能有效的幫助考生通過考試。

NY-Independent-General-Adjuster認證題庫: https://www.kaoguti.com/NY-Independent-General-Adjuster_exam-pdf.html