IT업계에 종사하시는 분은 국제공인 IT인증자격증 취득이 얼마나 힘든지 알고 계실것입니다. 특히 시험이 영어로 되어있어 부담을 느끼시는 분도 계시는데 Fast2test를 알게 된 이상 이런 고민은 버리셔도 됩니다. Fast2test의Insurance Licensing NY-Independent-General-Adjuster덤프는 모두 영어버전으로 되어있어Insurance Licensing NY-Independent-General-Adjuster시험의 가장 최근 기출문제를 분석하여 정답까지 작성해두었기에 문제와 답만 외우시면 시험합격가능합니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | - License renewal - Licensing process - Licensing requirements - Temporary adjuster permits - Qualifications - Fingerprinting - License maintenance and duration - Bond requirements | |
| Topic 2: New York Unfair Claim Settlement and Prohibited Practices | - New York cybersecurity regulation - Insurance fraud and false statements - New York claim settlement laws and regulations - Consumer privacy requirements - Unfair claim settlement practices - Terrorism Risk Insurance Act | |
| Topic 3: Commercial Package Policy | 38% | - Monoline versus package policies - Common policy conditions - First named insured - Components of a commercial policy - Common policy declarations |
| Topic 4: Claims Adjustment Procedures | - Non-waiver agreements - Negotiation - Arbitration - Draft authority - Releases - Execution of releases - Mediation - Appraisal - Competitive estimates - Reservation of rights letters - Subrogation procedures - Claims adjustment procedures - Advance payments - Settlement procedures - Coverage problems - Alternative dispute resolution | |
| Topic 5: Commercial Property | - Businessowners Policy - Commercial General Liability - Commercial property forms and endorsements - Commercial Package Policy - Commercial property coverage | |
| Topic 6: Dwelling and Homeowners Insurance | - Dwelling policies - Homeowners liability coverage - New York specific endorsements - Personal liability supplement - Personal umbrella policies - Homeowners property coverage - Standard Fire Policy | |
| Topic 7: Insurance Principles and Concepts | - Insurable interest - Moral hazards - Hazards - Insurance contracts - Waiver and estoppel - Warranties - Morale hazards - Insurance principles and concepts - Concealment - Fraud - Physical hazards - Representations and misrepresentations | |
| Topic 8: Other Property and Liability Coverages | - Workers compensation - Flood insurance - Commercial automobile - Excess liability - Personal automobile - Inland marine - Surety and fidelity bonds - Crime insurance - Ocean marine - Aviation insurance |
>> Insurance Licensing NY-Independent-General-Adjuster시험유효덤프 <<
우리Fast2test 사이트에Insurance Licensing NY-Independent-General-Adjuster관련자료의 일부 문제와 답 등 문제들을 제공함으로 여러분은 무료로 다운받아 체험해보실 수 있습니다. 여러분은 이것이야 말로 알맞춤이고, 전면적인 여러분이 지금까지 갖고 싶었던 문제집이라는 것을 느끼게 됩니다.
질문 # 64
An adjuster cannot contact the insured or claimant once they retain the services of
정답：B
설명：
The correct answer is A - an attorney except with permission. Once an insured or claimant is represented by counsel regarding a particular claim or dispute, communications concerning that represented matter must respect the attorney-client relationship. New York's Rule of Professional Conduct 4.2 prohibits an attorney from communicating, or causing another person to communicate, about the subject of the representation with a person known to be represented by another lawyer unless prior consent is obtained from that lawyer or the communication is otherwise authorized by law.
For adjusters, this means claim communications involving a represented claimant should ordinarily be routed through the claimant's attorney when the representation encompasses the matter being adjusted. The purpose is to prevent interference with legal representation, inappropriate direct negotiation, or uncounseled disclosure concerning the claim.
Retention of an appraiser, physician, or private investigator does not automatically establish the same restriction. Those professionals may participate in valuation, treatment, or investigation, but they do not substitute for legal counsel.
The Series 17-70 outline expressly tests the role and responsibilities of the adjuster and the adjuster's relationship to the legal profession, making recognition of represented parties an important claims-handling principle.
Therefore, A is correct.
질문 # 65
Under a Homeowners Policy, coverage up to $500 is provided for the insured's legal obligation to pay losses in all of the following situations EXCEPT
정답：D
설명：
The correct answer is B - the dishonesty of an insured. Under the Homeowners 2011 framework tested by Series 17-70, an Additional Coverage addresses Credit Card, Electronic Fund Transfer Card or Access Device, Forgery, and Counterfeit Money. Traditional ISO homeowners wording provides up to $500 for specified losses involving unauthorized use of covered cards or access devices, forgery or alteration of checks and similar negotiable instruments, and acceptance in good faith of counterfeit U.S. or Canadian paper currency.
However, the coverage does not protect an insured against losses caused by the dishonesty of an insured. Such a result would conflict with the basic insurance principle that intentional dishonest acts of an insured are not transformed into fortuitous insured losses.
Option A is within the purpose of the coverage when the credit card is stolen and subsequently used without authorization, subject to policy conditions. Option C is specifically contemplated by forgery coverage, and option D is expressly part of counterfeit-money protection.
The official New York Series 17-70 outline identifies the Homeowners (2011) Policy, including Section I property coverages, Additional Coverages, exclusions, conditions, and selected endorsements.
Therefore, B is the required answer.
질문 # 66
Under a Homeowners policy, which of the following is an insured location?
정답：B
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 # 67
Which of the following benefits are NOT paid under workers' compensation laws?
정답：D
설명：
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.
질문 # 68
Under an equipment breakdown coverage form, a breakdown would include
정답：C
설명：
The correct answer is C - Explosion of a pressure vessel. Equipment Breakdown insurance evolved from traditional boiler and machinery coverage and protects against specified accidental failures involving mechanical, electrical, and pressure equipment. Boilers and pressure vessels remain central examples of covered equipment.
Travelers identifies boilers and pressure vessels among equipment insured by equipment-breakdown coverage and explains that such coverage can protect against losses associated with explosions, mechanical failures, and electrical arcing. IRMI likewise describes boiler or pressure-vessel explosion as a traditional equipment- breakdown exposure.
The other choices describe conditions that ordinarily do not independently satisfy the definition of a covered breakdown. Wear and tear represents gradual deterioration rather than a sudden accidental equipment event.
Leakage at valves or fittings is commonly specifically distinguished from breakdown. The functioning or failure characteristics of protective or safety devices also require analysis under the precise form and generally do not constitute the intended qualifying breakdown in this question.
Equipment Breakdown insurance is especially important because standard commercial property forms may exclude or restrict losses caused by mechanical breakdown, electrical disturbance, or certain pressure- equipment events.
Series 17-70 reference topics: Other Coverages - Equipment Breakdown, Property Exposures, Causes of Loss, Exclusions, and Specialized Commercial Coverages.
질문 # 69
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Insurance Licensing 인증NY-Independent-General-Adjuster인증시험공부자료는Fast2test에서 제공해드리는Insurance Licensing 인증NY-Independent-General-Adjuster덤프가 가장 좋은 선택입니다. Fast2test에서는 시험문제가 업데이트되면 덤프도 업데이트 진행하도록 최선을 다하여 업데이트서비스를 제공해드려 고객님께서소유하신 덤프가 시장에서 가장 최신버전덤프로 되도록 보장하여 시험을 맞이할수 있게 도와드립니다.
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