At present, Insurance Licensing certification exam is the most popular test. Have you obtained Insurance Licensing exam certificate? For example, have you taken Insurance Licensing NY-Independent-General-Adjuster certification exam？If not, you should take action as soon as possible. The certificate is very important, so you must get NY-Independent-General-Adjuster certificate. Here I would like to tell you how to effectively prepare for Insurance Licensing NY-Independent-General-Adjuster exam and pass the test first time to get the certificate.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - Insurance fraud and false statements - Consumer privacy requirements - New York cybersecurity regulation - New York claim settlement laws and regulations - Terrorism Risk Insurance Act | |
| Topic 2: Insurance Regulation | - Bond requirements - Licensing requirements - License maintenance and duration - Fingerprinting - License renewal - Qualifications - Licensing process - Temporary adjuster permits | |
| Topic 3: Other Property and Liability Coverages | - Aviation insurance - Personal automobile - Inland marine - Surety and fidelity bonds - Commercial automobile - Crime insurance - Ocean marine - Excess liability - Workers compensation - Flood insurance | |
| Topic 4: Dwelling and Homeowners Insurance | - Homeowners property coverage - Homeowners liability coverage - Personal liability supplement - New York specific endorsements - Dwelling policies - Standard Fire Policy - Personal umbrella policies | |
| Topic 5: Commercial Package Policy | 38% | - Common policy declarations - Monoline versus package policies - Components of a commercial policy - Common policy conditions - First named insured |
| Topic 6: Commercial Property | - Commercial General Liability - Businessowners Policy - Commercial property forms and endorsements - Commercial property coverage - Commercial Package Policy | |
| Topic 7: Insurance Principles and Concepts | - Moral hazards - Concealment - Hazards - Warranties - Fraud - Representations and misrepresentations - Insurance contracts - Morale hazards - Insurable interest - Waiver and estoppel - Insurance principles and concepts - Physical hazards | |
| Topic 8: Claims Adjustment Procedures | - Competitive estimates - Settlement procedures - Appraisal - Claims adjustment procedures - Subrogation procedures - Execution of releases - Coverage problems - Negotiation - Mediation - Alternative dispute resolution - Arbitration - Advance payments - Reservation of rights letters - Draft authority - Releases - Non-waiver agreements |
>> NY-Independent-General-Adjuster Latest Exam Question <<
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NEW QUESTION # 24
All of the following would be covered by Other than Collision (Comprehensive) coverage EXCEPT
Answer: B
Explanation:
The correct answer is B - auto body damage caused by a roll-over. In automobile physical damage insurance, Other Than Collision, commonly called Comprehensive coverage, protects against specified noncollision causes of physical loss. New York DFS specifically identifies theft, fire, flood, windstorm, glass breakage, vandalism, animal impact, and falling or flying objects as examples of comprehensive losses.
Accordingly, an electrical fire causing interior damage falls within the fire exposure contemplated by Comprehensive coverage. Flood damage to the vehicle is also a Comprehensive exposure, and hailstorm damage falls within windstorm/hail-type noncollision loss.
A roll-over or overturn, however, is classified as a collision loss. Collision coverage traditionally includes physical damage resulting from the covered automobile's impact with another vehicle or object and from upset or overturn. Thus, an automobile that rolls over during operation would require Collision coverage rather than Other Than Collision coverage.
This distinction is important because both coverages are optional physical-damage protections in most circumstances and may carry different deductibles. The adjuster must determine the actual mechanism of damage before selecting the applicable coverage.
The Series 17-70 Auto Insurance curriculum specifically tests Collision versus Other Than Collision physical damage coverage, exclusions, limits, and loss settlement.
Therefore, B is the exception.
NEW QUESTION # 25
A broken bone is the same as a
Answer: B
Explanation:
The correct answer is A - fracture. A fracture is the medical term for a break in a bone. The break may be complete or partial and can be classified in numerous ways, including open versus closed, displaced versus nondisplaced, transverse, oblique, comminuted, stress, or other fracture patterns. MedlinePlus expressly identifies a fracture as a break in a bone and lists "broken bone" as an alternative description.
A dislocation differs because it involves bones being forced out of their normal relationship at a joint. A sprain involves ligaments, while a strain typically involves muscles or tendons. Although a serious traumatic event can produce more than one of these injuries simultaneously-for example, a fracture-dislocation-they remain medically distinct conditions.
For an independent general adjuster, accurate medical terminology is important when reviewing bodily injury claims. A diagnosis of fracture may affect emergency treatment, immobilization, surgery, rehabilitation, duration of disability, medical expenses, and the eventual evaluation of damages. The adjuster should therefore distinguish structural injury to bone from injuries involving joints, ligaments, muscles, and tendons.
Accordingly, the medical equivalent of a broken bone is a fracture, making A the only correct choice.
NEW QUESTION # 26
Damage caused to a farmer's crops during an emergency aircraft landing would be covered by
Answer: A
Explanation:
The correct verified answer is D - Property damage liability. The farmer's crops constitute tangible property belonging to another party from the aircraft operator's perspective. If an insured aircraft makes an emergency landing and physically damages those crops, the applicable third-party aviation exposure is property damage liability: the aircraft owner or operator may become legally obligated to compensate the farmer for physical damage to the farmer's property.
This must not be confused with farm liability. Farm liability protects a farm insured against claims alleging bodily injury or property damage for which the farm insured becomes legally liable. It is liability insurance, not first-party physical damage coverage for the farmer's own crops. The official Series 17-70 outline describes Farm Coverage H as Bodily Injury and Property Damage Liability, reinforcing this third-party distinction.
Products liability is unrelated because the loss does not arise from a defective or harmful product. A deductible is simply the portion of an insured loss retained by the insured and is not a category of coverage.
Most importantly, the official Series 17-70 blueprint separately identifies Aircraft Liability Coverages, including property damage liability, as tested subject matter.
Accordingly, D, not farm liability, is the technically correct answer for the scenario presented.
NEW QUESTION # 27
Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the
Answer: A
Explanation:
The correct answer is C - the insured is the owner-occupant. The Broad Theft Coverage endorsement is designed to add theft protection to a Dwelling Policy for an eligible residence occupied by the named insured.
Broad theft coverage is distinguished from limited theft coverage primarily by its eligibility and its ability to provide both on-premises and qualifying off-premises theft coverage.
For a dwelling, condominium, or cooperative unit, broad theft coverage requires the residence to be owner occupied. Where the dwelling is non-owner occupied, a limited theft form is generally the appropriate theft endorsement.
Option A is therefore insufficient because being a landlord does not make the insured eligible for the broad theft endorsement when tenants occupy the insured dwelling. Vacancy, option B, is not an eligibility requirement and may instead trigger important restrictions in theft coverage. Option D also fails because ownership of personal property by a landlord does not substitute for the occupancy requirement.
New York's official Series 17-70 outline expressly identifies the Broad Theft Endorsement (DP 04 83) as a tested Dwelling Policy endorsement. New York DFS's prelicensing topic locator likewise identifies DP 04 83 as required dwelling-policy subject matter.
Therefore, owner-occupancy makes C correct.
NEW QUESTION # 28
Charges for transporting a person injured in an aircraft accident by ambulance are covered under
Answer: D
Explanation:
The correct answer is A - medical payments. Aircraft Medical Payments coverage is designed to pay specified reasonable medical expenses resulting from bodily injury sustained in connection with a covered aircraft accident, generally without requiring a determination of legal liability.
Aviation insurance guidance specifically identifies ambulance expenses among the costs payable under Aircraft Medical Payments coverage. AOPA explains that aircraft medical-payments protection can pay expenses including ambulance, surgical, dental, professional nursing, and related medical costs for qualifying injuries involving the insured aircraft. Standard aircraft liability wording likewise describes Medical Payments coverage as including necessary medical, surgical, ambulance, hospital, professional nursing, and funeral services, subject to the stated policy terms and limits.
A deductible, option B, is an amount retained by the insured and therefore is not a coverage category paying transportation charges. Premiums, option C, are the consideration paid for insurance. Fiduciary liability, option D, addresses breaches of fiduciary duties and has no connection with emergency medical transportation following an aircraft accident.
Medical Payments should also be distinguished from Aircraft Bodily Injury Liability. Liability coverage depends upon legal responsibility, whereas medical-payments protection is generally intended to fund relatively immediate medical expenses without first establishing negligence.
Therefore, A is correct.
NEW QUESTION # 29
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