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| Section | Weight | Objectives |
|---|---|---|
| Claims Adjustment Procedures | - Mediation - Claims adjustment procedures - Negotiation - Advance payments - Alternative dispute resolution - Reservation of rights letters - Settlement procedures - Arbitration - Execution of releases - Coverage problems - Draft authority - Releases - Appraisal - Non-waiver agreements - Competitive estimates - Subrogation procedures | |
| Insurance Regulation | - License renewal - Licensing requirements - Licensing process - Qualifications - Temporary adjuster permits - Fingerprinting - Bond requirements - License maintenance and duration | |
| New York Unfair Claim Settlement and Prohibited Practices | - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - New York cybersecurity regulation - Insurance fraud and false statements - Consumer privacy requirements - Unfair claim settlement practices | |
| Insurance Principles and Concepts | - Warranties - Concealment - Moral hazards - Hazards - Waiver and estoppel - Morale hazards - Representations and misrepresentations - Insurable interest - Physical hazards - Fraud - Insurance contracts - Insurance principles and concepts | |
| Commercial Property | - Commercial property coverage - Commercial General Liability - Commercial Package Policy - Businessowners Policy - Commercial property forms and endorsements | |
| Other Property and Liability Coverages | - Ocean marine - Workers compensation - Commercial automobile - Excess liability - Flood insurance - Aviation insurance - Crime insurance - Inland marine - Personal automobile - Surety and fidelity bonds | |
| Dwelling and Homeowners Insurance | - Personal liability supplement - Personal umbrella policies - Standard Fire Policy - Homeowners liability coverage - Homeowners property coverage - New York specific endorsements - Dwelling policies | |
| Commercial Package Policy | 38% | - Monoline versus package policies - Components of a commercial policy - First named insured - Common policy conditions - Common policy declarations |
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The Insurance Licensing NY-Independent-General-Adjuster certification exam syllabus is changing with the passage of time. As a NY-Independent-General-Adjuster exam candidate you have to be aware of these Insurance Licensing NY-Independent-General-Adjuster exam changes. To give you complete knowledge about the Insurance Licensing NY-Independent-General-Adjuster Exam Topics, the Braindumpsqa has hired a team of experts that consistently work on these changes and add these changes in Insurance Licensing NY-Independent-General-Adjuster exam practice test questions.
NEW QUESTION # 19
A special limitation applies to business income losses under a Businessowners Policy (BOP). This limitation applies to losses resulting from loss or damage to
Answer: D
Explanation:
The correct answer is D - electronic media and records. The Businessowners Policy contains a specific limitation affecting Business Income loss caused by direct physical loss of or damage to Electronic Media and Records. This category includes electronic data-processing, recording, or storage media, data stored on such media, and programming records used for electronic data processing or electronically controlled equipment.
Under standard BOP wording, Business Income attributable to damage to electronic media and records is limited to the longer of 60 consecutive days after the direct physical loss or the period reasonably necessary to repair, rebuild, or replace other property damaged by the same occurrence at the described premises.
The purpose is to prevent an open-ended Business Income period solely because restoration or recreation of data takes substantially longer than restoration of the physical equipment or other damaged property.
Security systems and outdoor signs can have their own property limitations, while foundations and retaining walls are addressed through other covered-property or limitation provisions. They are not the subject of this specific Business Income limitation.
The Series 17-70 outline requires knowledge of BOP Business Income, Extra Expense, covered property, limitations, exclusions, loss conditions, and definitions.
Therefore, D is correct.
NEW QUESTION # 20
Which of the following would be considered an unforeseen act which causes bodily harm?
Answer: C
Explanation:
The correct answer is C - Accidental injury. An accidental injury results from an unintended or unforeseen event producing bodily harm. This characteristic distinguishes an accident from deliberate conduct or an intentionally produced injury. New York's accident-insurance framework treats accident coverage as insurance for death, dismemberment, disability, medical care, or similar loss caused by an accident or specified types of accidents. DFS also requires accident-only policies to make clear that benefits relate to a covered accident, rather than sickness generally.
Options B and D involve intentional self-harm and therefore do not satisfy the ordinary accidental-event concept stated in the question. A suicide attempt is intentionally undertaken even though the eventual degree of injury may not have been intended. A deliberate self-inflicted injury is expressly intentional by definition.
Alcohol abuse is also not itself an unforeseen accidental act producing bodily injury. Although an accident might occur while a person is intoxicated, the abuse itself is not synonymous with an accidental injury and coverage would depend on the actual policy wording and circumstances.
For examination purposes, the defining characteristics are unexpectedness, lack of intent, and resulting bodily harm.
Series 17-70 reference topics: Other Coverages - Accident and Health Concepts, Accidental Injury, Accident-Only Coverage, and Exclusions for Intentional Injury.
NEW QUESTION # 21
Homeowner Policies exclude coverage for
Answer: C
Explanation:
The correct answer is A. Standard homeowners property forms contain a broad earth movement exclusion, encompassing events such as earthquake, landslide, mudslide, earth sinking, rising, or shifting, subject to the precise policy wording and any endorsements purchased. Earthquake coverage ordinarily requires a separate endorsement or policy. The Series 17-70 examination outline specifically requires knowledge of Homeowners Policy additional coverages, perils insured against, exclusions, conditions, and selected endorsements, including an earthquake endorsement.
The remaining choices describe protections commonly appearing as Additional Coverages rather than general exclusions. Debris Removal reimburses reasonable expenses for removing debris of covered property following a covered cause of loss. Insurance-regulator guidance confirms debris removal is ordinarily incorporated into homeowners coverage when the underlying damage results from an insured peril.
Likewise, Property Removed protects covered property against direct loss while it is being removed from endangered premises to safeguard it from an insured peril, subject to the form's time limitations. Fire Department Service Charge provides a specified additional amount when an insured incurs a contractual fire- department service charge. These provisions are standard examples of homeowners additional coverages.
Therefore, among the four choices, earth movement is the excluded cause of loss.
NEW QUESTION # 22
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?
Answer: C
Explanation:
The correct answer is C - Garagekeepers Coverage. Garagekeepers coverage addresses loss to customers' automobiles while those vehicles are in the insured garage operation's care, custody, or control, such as while being serviced, repaired, parked, stored, or otherwise attended by the insured.
This distinction is essential because ordinary liability coverage contains a care, custody, or control exclusion for damage to property entrusted to the insured. If an automobile repair business damages a customer's automobile while the vehicle is in the shop's custody, ordinary business auto or general liability property- damage protection generally does not fill that exposure. Garagekeepers coverage is specifically designed for it.
Physical Damage Coverage ordinarily protects covered autos owned or otherwise qualifying under the insured's own physical-damage symbols; it is not synonymous with protection for customer vehicles entrusted to the business. "Specified Coverage" is not the relevant garage-form coverage division.
Garagekeepers may be structured on a legal-liability basis or, depending on available forms, direct primary or direct excess bases. The precise form affects whether negligence must be established.
The official Series 17-70 examination outline expressly includes Garage Coverage, Garage Keeper's Coverage, Liability Coverage, Physical Damage Coverage, Exclusions, Conditions, and Definitions within Commercial Auto.
Therefore, the correct answer is C.
NEW QUESTION # 23
Which of the following is the medical abbreviation for getting something done immediately?
Answer: D
Explanation:
The correct answer is B - Stat. The medical abbreviation "stat" derives from the Latin statim, meaning immediately. In medical documentation and treatment instructions, a stat order indicates that the specified procedure, medication, diagnostic test, or other clinical action should be performed without ordinary scheduling delay because prompt action is required.
Option A, A and P, does not mean immediately. Depending on context, similar abbreviations may refer to anatomy and physiology or another clinical designation. Option C, Rx, commonly refers to a prescription, prescribed treatment, or therapy and does not establish urgency. Option D, DNR, means Do Not Resuscitate and identifies an instruction concerning cardiopulmonary resuscitation rather than the timing of treatment.
Medical terminology is relevant to accident and health claim adjustment because adjusters must accurately interpret medical records, physician reports, treatment documentation, hospital bills, diagnostic information, and indications of emergency care. A misunderstanding of basic medical terminology can materially affect evaluation of causation, necessity of treatment, disability periods, and damages.
Accordingly, where a medical record directs that an action be performed immediately, "stat" is the recognized term.
Series 17-70 reference topics: Other Coverages - Accident and Health Claims, Medical Terminology, Medical Documentation, and Evaluation of Treatment Records.
NEW QUESTION # 24
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