NewYorkIndependent General Adjuster (Series 17-70) Exam Training Vce & NY-Independent-General-Adjuster Test Torrent & NewYorkIndependent General Adjuster (Series 17-70) Torrent Dumps

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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Adjusting Losses	11%	- Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation - Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases - Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities
Topic 2: Dwelling Policy	6%	- Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions - Property Coverages 1. Dwelling and Other Structures 2. Personal Property and Loss of Use - Coverage Forms and Perils 1. Covered Perils 2. Basic, Broad and Special Forms
Topic 3: Insurance Basics	6%	- Policy Structure 1. Limits, Deductibles and Other Insurance 2. Declarations, Conditions and Exclusions 3. Subrogation, Salvage and Loss Settlement - Insurance Principles 1. Insurable Interest and Indemnity 2. Hazards, Negligence and Liability 3. Causes and Valuation of Loss - Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment
Topic 4: Commercial Package Policy	38%	- Commercial Inland Marine 1. Contractors Equipment and Installation Floaters 2. Jewelers Block, Signs and Electronic Data Processing 3. Marine Definition and Conditions 4. Accounts Receivable and Valuable Papers - Transportation Coverages 1. Motor Truck Cargo 2. Common Carrier Legal Liability 3. Transit Coverage - Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions
Topic 5: Accident and Health Insurance Basics	6%	- Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease - Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss - Types of Coverage 1. Accidental Injury and Sickness 2. Disability, Medical and Long-Term Care
Topic 6: Personal Inland Marine	13%	- Personal Property Floater 1. Coverage and Eligible Property - Personal Effects Floater 1. Coverage and Loss Settlement - Personal Articles Floater 1. Scheduled Personal Property
Topic 7: Insurance Regulation	6%	- Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation - Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy - License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting
Topic 8: Medical Reports and Terminology	4%	- Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties - Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases
Topic 9: Homeowners Policy	10%	- Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions - Liability Coverages 1. Personal Liability 2. Medical Payments to Others

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q16-Q21):

NEW QUESTION # 16
Which of the following is an example of an unfair claim settlement practice?

A. Delaying the settlement of claims submitted in which liability has become clear.
B. Disclosing the settlement terms and provisions of the contract of insurance.
C. Replacing a policy when it is in the best interest of the insured.
D. Adopting and implementing standards to settle claims in a timely manner.

Answer: A

Explanation:
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.

NEW QUESTION # 17
Damage caused to a farmer's crops during an emergency aircraft landing would be covered by

A. property damage liability.
B. farm liability.
C. deductible.
D. products liability.

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 # 18
A broken bone is the same as a

A. dislocation.
B. sprain.
C. fracture.
D. strain.

Answer: C

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 # 19
A commercial umbrella policy provides coverage in which of the following situations?

A. A loss contained within the underlying limit.
B. There is a large claim on a personal auto policy.
C. A loss is covered under the underlying contract but the insurer of that contract becomes insolvent.
D. The policy limits on losses under the underlying policy were exhausted.

Answer: D

Explanation:
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.

NEW QUESTION # 20
An individual is injured while loading a vessel on U.S. navigable waters. Under which Act would they be covered?

A. U.S. Longshore and Harbor Workers' Compensation Act.
B. The U.S. Coast Guard Act.
C. Federal Employers Liability Act (FELA).
D. The Jones Act.

Answer: A

Explanation:
The correct answer is D - U.S. Longshore and Harbor Workers' Compensation Act (LHWCA). The LHWCA is a federal workers compensation statute covering qualifying maritime employees who suffer employment-related injuries on the navigable waters of the United States or in adjoining areas customarily used for loading, unloading, repairing, dismantling, or building vessels. The statute expressly includes longshore workers and other persons engaged in longshoring operations.
The employee in this question is injured while loading a vessel, which is a classic longshoring function.
Assuming the applicable status and situs requirements are satisfied, LHWCA protection is therefore the appropriate federal coverage.
The Jones Act principally provides remedies for masters and members of a vessel's crew-seamen rather than ordinary land-based longshore workers. FELA applies primarily to qualifying railroad employees engaged in interstate commerce. "U.S. Coast Guard Act" is not the applicable workers compensation statute among these choices.
The official Series 17-70 content outline specifically lists Federal Employers Liability Act, U.S. Longshore and Harbor Workers' Compensation Act, and the Jones Act as separate federal compensation laws that candidates must distinguish.
Because this employee is performing vessel-loading work on navigable waters, D is correct.

NEW QUESTION # 21
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