在如今人才濟濟的社會中，Insurance Licensing專業人士是很受歡迎的，但競爭也很大。所以很多Insurance Licensing專業人士通過一些比較難的權威的NY-Independent-General-Adjuster認證考試來穩固自己，而我們Fast2test是專門為參加NY-Independent-General-Adjuster認證考試的考生提供便利的。
| Section | Weight | Objectives |
|---|---|---|
| Other Property and Liability Coverages | - Aviation insurance - Flood insurance - Workers compensation - Ocean marine - Personal automobile - Inland marine - Excess liability - Surety and fidelity bonds - Commercial automobile - Crime insurance | |
| Insurance Principles and Concepts | - Insurable interest - Insurance contracts - Waiver and estoppel - Moral hazards - Insurance principles and concepts - Fraud - Physical hazards - Concealment - Warranties - Representations and misrepresentations - Morale hazards - Hazards | |
| Commercial Package Policy | 38% | - Common policy conditions - First named insured - Components of a commercial policy - Monoline versus package policies - Common policy declarations |
| Dwelling and Homeowners Insurance | - Homeowners liability coverage - Homeowners property coverage - New York specific endorsements - Personal umbrella policies - Dwelling policies - Standard Fire Policy - Personal liability supplement | |
| Claims Adjustment Procedures | - Reservation of rights letters - Non-waiver agreements - Competitive estimates - Negotiation - Coverage problems - Claims adjustment procedures - Releases - Subrogation procedures - Settlement procedures - Appraisal - Alternative dispute resolution - Advance payments - Draft authority - Mediation - Execution of releases - Arbitration | |
| New York Unfair Claim Settlement and Prohibited Practices | - Terrorism Risk Insurance Act - New York cybersecurity regulation - Insurance fraud and false statements - Unfair claim settlement practices - New York claim settlement laws and regulations - Consumer privacy requirements | |
| Commercial Property | - Commercial property forms and endorsements - Commercial Package Policy - Businessowners Policy - Commercial General Liability - Commercial property coverage | |
| Insurance Regulation | - Qualifications - Licensing requirements - Temporary adjuster permits - Fingerprinting - License renewal - License maintenance and duration - Licensing process - Bond requirements |
>> 最新NY-Independent-General-Adjuster試題 <<
所有的IT專業人士熟悉的Insurance Licensing的NY-Independent-General-Adjuster考試認證，夢想有有那頂最苛刻的認證，你可以得到你想要的職業生涯，你的夢想。通過Fast2test Insurance Licensing的NY-Independent-General-Adjuster考試培訓資料，你就可以得到你想要得的。
問題 #88
If a licensee has been found to have committed any fraudulent or dishonest practice, the Superintendent may do all of the following EXCEPT
答案：B
解題說明：
The verified answer is D - withhold the licensee's commissions and/or fees. New York Insurance Law §2110 authorizes the Superintendent of Financial Services to refuse renewal, revoke, or suspend an insurance producer's, consultant's, adjuster's, or other covered license when the licensee has used fraudulent, coercive, or dishonest practices or engaged in specified misconduct.
New York law also authorizes monetary penalties. Insurance Law §2127 permits the Superintendent, in lieu of license revocation or suspension in qualifying proceedings, to impose a monetary penalty. Thus, A and B clearly represent recognized regulatory sanctions.
Option D is the required exception because withholding commissions or fees otherwise earned by a licensee is not listed as the Article 21 disciplinary sanction for fraudulent or dishonest practice. Regulatory action may affect the person's continuing authority to transact insurance and can include suspension, revocation, nonrenewal, and statutory penalties, but it does not operate simply by confiscating the licensee's compensation.
The video's use of "Insurance Commissioner" should also be corrected for New York: the appropriate regulator is the Superintendent of Financial Services.
The Series 17-70 outline tests licensing, disciplinary actions, penalties, suspension, revocation, and prohibited fraudulent or dishonest conduct.
Therefore, D is the verified answer.
問題 #89
Which of the following exposures would be necessary to purchase a garage coverage form?
答案：D
解題說明：
The correct examination answer is D - Franchise auto dealer. The traditional ISO Garage Coverage Form was developed specifically for automobile dealerships and related garage operations because such businesses combine exposures arising from owned autos, customers' autos, premises operations, products/completed operations, and automobile liability.
Under the legacy Garage Coverage Form used in the Series 17-70 commercial-auto syllabus, franchised and nonfranchised automobile dealerships are classic eligible garage operations. The Series 17-70 outline expressly identifies the Garage Coverage Form, Garagekeepers Coverage, liability coverage, physical damage, exclusions, conditions, and definitions as tested commercial-auto subjects.
A moving company is ordinarily handled through commercial auto/motor-carrier arrangements. An auto-parts store does not automatically create the combined dealership exposure contemplated by a garage form. A purely self-service carwash also does not present the same dealer exposure identified by the question.
There is an edition issue worth understanding: ISO replaced the dealer portion of the older CA 00 05 Garage Coverage Form with the modern CA 00 25 Auto Dealers Coverage Form beginning with its 2013 commercial- auto revision. Current Auto Dealers eligibility expressly includes franchised automobile dealerships. The Series 17-70 outline, however, explicitly tests the 2010 commercial-auto Garage form.
Therefore, for this examination, D is correct.
問題 #90
A homeowners policy debris removal clause covers
答案：B
解題說明：
The correct answer is D. Homeowners Debris Removal coverage does not pay merely because a tree has fallen somewhere on the residence premises. The coverage generally requires that the loss satisfy the specific policy conditions governing fallen-tree removal.
Under standard homeowners principles, reasonable tree-removal expenses can be covered when a tree is felled by an applicable insured peril and damages a covered structure. Certain forms also provide coverage where a qualifying tree blocks a driveway or specified accessibility route. A state insurance regulator's homeowners guidance similarly explains that debris removal includes qualifying trees felled by a covered peril when they damage a covered structure or meet specified access-blocking requirements.
Option A is much too broad because a tree falling harmlessly in the yard does not automatically generate insurance coverage. Option B is likewise incorrect because "natural disaster" is not itself a policy coverage trigger; the cause must fall within the applicable insured-peril wording. Option C confuses the tree-removal sublimit with the requirement that the tree cause a particular dollar amount of property damage. The policy does not require exactly $1,000 of structural damage.
The Series 17-70 outline specifically tests Homeowners Additional Coverages, Perils Insured Against, Exclusions, and Conditions.
Therefore, D is the best answer.
問題 #91
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the
答案：B
解題說明：
The correct answer is B - limits of insurance are used up. Under Businessowners liability coverage, the insurer generally has both a duty to indemnify the insured for covered damages and a duty to defend qualifying suits. However, the defense obligation does not continue indefinitely after the applicable liability limit has been exhausted in the manner prescribed by the policy.
Standard BOP analysis provides that the insurer's duty to defend ends when the applicable limit of insurance has been used up through payment of judgments or settlements. Simply deciding that the insured has made too many claims does not terminate the defense obligation.
That qualification matters. The insurer ordinarily cannot simply tender the limit without satisfying the policy wording and abandon an otherwise ongoing defense. Exhaustion must occur according to the contract.
Failure to pay taxes, option A, has no connection to the insurer's contractual defense duty. Premium nonpayment, option C, can eventually result in lawful cancellation or termination of coverage, but it does not describe the specific liability-form provision asked by this question. Option D has no contractual basis.
The Series 17-70 BOP section tests Business Liability, defense obligations, limits of insurance, exclusions, who is an insured, and liability conditions.
Therefore, B is correct.
問題 #92
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?
答案：C
解題說明：
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.
問題 #93
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