NY-Independent-General-Adjuster試験に向けて勉強しているときは、家族のためなど、仕事に行くのに忙しいかもしれません。誰もが効率的な仕事をするための時間は貴重です。優れたNY-Independent-General-Adjuster準備ガイドを取得したい場合、合格するまでの時間を短縮する必要があります。キーポイントと最新情報を選択して、NY-Independent-General-Adjusterガイドトレントを完成させています。練習するのに20時間から30時間しかかかりません。効果的な練習の後、NY-Independent-General-Adjuster試験トレントから試験ポイントを習得できます。その後、NY-Independent-General-Adjuster試験に合格するのに十分な自信があります。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Dwelling and Homeowners Insurance | - Personal liability supplement - New York specific endorsements - Personal umbrella policies - Dwelling policies - Homeowners liability coverage - Standard Fire Policy - Homeowners property coverage | |
| Topic 2: Commercial Property | - Businessowners Policy - Commercial General Liability - Commercial Package Policy - Commercial property coverage - Commercial property forms and endorsements | |
| Topic 3: Insurance Principles and Concepts | - Hazards - Fraud - Physical hazards - Concealment - Morale hazards - Warranties - Representations and misrepresentations - Insurance principles and concepts - Insurable interest - Insurance contracts - Moral hazards - Waiver and estoppel | |
| Topic 4: Claims Adjustment Procedures | - Appraisal - Non-waiver agreements - Alternative dispute resolution - Releases - Advance payments - Execution of releases - Subrogation procedures - Coverage problems - Arbitration - Draft authority - Competitive estimates - Reservation of rights letters - Settlement procedures - Mediation - Negotiation - Claims adjustment procedures | |
| Topic 5: New York Unfair Claim Settlement and Prohibited Practices | - New York cybersecurity regulation - Consumer privacy requirements - Insurance fraud and false statements - Terrorism Risk Insurance Act - New York claim settlement laws and regulations - Unfair claim settlement practices | |
| Topic 6: Other Property and Liability Coverages | - Aviation insurance - Surety and fidelity bonds - Crime insurance - Flood insurance - Personal automobile - Workers compensation - Ocean marine - Excess liability - Inland marine - Commercial automobile | |
| Topic 7: Insurance Regulation | - Bond requirements - Fingerprinting - Licensing requirements - License renewal - License maintenance and duration - Qualifications - Licensing process - Temporary adjuster permits | |
| Topic 8: Commercial Package Policy | 38% | - Common policy conditions - Components of a commercial policy - First named insured - Common policy declarations - Monoline versus package policies |
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ShikenPASS平時では、Insurance Licensing専門試験の審査に数か月から1年かかることもありますが、NY-Independent-General-Adjuster試験ガイドを使用すれば、試験の前に20〜30時間かけて復習し、NY-Independent-General-Adjuster学習教材を使用すれば、 NY-Independent-General-Adjuster学習資料にはすべての重要なテストポイントが既に含まれているため、他のレビュー資料は不要になります。 同時に、NY-Independent-General-Adjuster学習教材は、復習するためのまったく新しい学習方法を提供します-演習の過程で知識を習得しましょう。 NewYorkIndependent General Adjuster (Series 17-70)試験に簡単かつゆっくりと合格します。
質問 # 92
A commercial umbrella policy provides coverage in which of the following situations?
正解：D
解説：
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
質問 # 93
The policy benefits are found in what part of an insurance policy?
正解：A
解説：
The correct answer is A - Declarations. The declarations page provides policy-specific information identifying the coverages and benefits selected by the insured, together with applicable limits, deductibles, policy dates, insured information, covered property, vehicles, or locations as appropriate. New York DFS describes the declarations page as a summary of the insured's coverage and requires covered benefits and limits to be accurately reflected there.
The technical distinction is important: the Insuring Agreement contains the insurer's operative contractual promise to pay or perform when the coverage requirements are satisfied. However, because "Insuring Agreement" is not among the answer choices, the declarations page is the correct response to where the policy's selected benefits and coverage amounts are identified.
Option B, Conditions, establishes contractual requirements governing performance of the policy. Option C, the insured's duties, concerns obligations such as providing notice, protecting damaged property, submitting documentation, and cooperating with investigation. Option D, Exclusions, removes or restricts coverage that would otherwise fall within the coverage grant.
An adjuster should never read the declarations page in isolation; it must be interpreted together with the coverage form, definitions, exclusions, conditions, and endorsements.
Series 17-70 reference topics: Insurance Basics - Declarations, Policy Benefits, Coverage Limits, Conditions, Exclusions, and Policy Structure.
質問 # 94
Which of the following is an example of an unfair claim settlement practice?
正解：C
解説：
The correct answer is A. New York Insurance Law §2601 identifies specified conduct as unfair claim settlement practices when performed without just cause with sufficient frequency to constitute a general business practice. One expressly identified practice is failing to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. Deliberately or unjustifiably delaying such a settlement therefore falls directly within the regulatory concept tested by this question.
Option C describes the opposite behavior. Insurers are expected to adopt and implement reasonable standards for prompt claim investigation and settlement. Failure to establish reasonable standards may itself support an unfair-practices finding.
Option D is likewise inconsistent with an unfair-practice answer because accurate disclosure of relevant coverage or settlement provisions promotes informed claim handling. Misrepresentation or improper withholding of material policy information, rather than appropriate disclosure, raises regulatory concerns.
Option B does not describe an unfair claim settlement practice on the facts given.
The official New York Series 17-70 blueprint specifically includes Claim Settlement Laws and Regulations- Regulation 64, Part 216, and Unfair Claim Practices-Insurance Law §2601 under Insurance Regulation.
Accordingly, the conduct in A is the regulatory violation contemplated by the question.
質問 # 95
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the
正解：B
解説：
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.
質問 # 96
One of the MAIN purposes of the automobile mandatory inspection requirement is to
正解：A
解説：
The correct answer is D. New York's mandatory automobile physical-damage inspection requirements are fundamentally an anti-fraud and loss-verification mechanism. By inspecting and documenting the automobile when collision or comprehensive coverage is written, the insurer establishes the vehicle's pre-insurance physical condition. If a later claim is submitted, the insurer can compare claimed damage with the condition documented before or at the inception of physical-damage coverage.
New York DFS explains that when physical-damage coverage applies, the insurer inspects and photographs the automobile for comparison purposes if future damages are claimed. That directly supports D: the process helps prevent payment for pre-existing damage incorrectly presented as having occurred during the policy period.
The inspection is not primarily intended to surcharge vehicles because they are cosmetically imperfect, making A incorrect. It is not a consumer notification program concerning scratches or dents, eliminating B.
Nor does it guarantee that covered vehicles are in "top condition," so C is incorrect.
The Series 17-70 examination outline expressly identifies mandatory inspection requirements for private passenger automobiles under Regulation 79, Parts 67.0-67.11 as an Auto Insurance examination subject.
質問 # 97
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ShikenPASSは、効果的な勤勉さを最高の報酬に変えることができる素晴らしい学習プラットフォームです。 Insurance Licensing長年の勤勉な作業により、当社の専門家は頻繁にテストされた知識を参考のためにNY-Independent-General-Adjuster試験資料に集めました。 したがって、私たちの練習教材は彼らの努力の勝利です。 NY-Independent-General-Adjuster試験の資料に頼ることで、以前に想像した以上の成果を確実に得ることができます。 NY-Independent-General-Adjuster練習教材を選択したお客様から収集した明確なデータがあり、NewYorkIndependent General Adjuster (Series 17-70)合格率は98〜100％です。
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