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| Section | Weight | Objectives |
|---|---|---|
| Property & Casualty Coverages | 25% | - General Liability and Commercial General Liability - Commercial Property and Businessowners policies - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - Dwelling and Homeowners policies - Automobile coverages — Personal and Commercial |
| Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct |
| Claims Investigation & Adjusting Procedures | 20% | - Claim intake, notice of loss, and initial investigation - Evidence gathering, coverage analysis, and policy interpretation - Loss valuation, damage assessment, and estimating - Settlement negotiation, reservation of rights, and denial procedures |
| New York Insurance Law & Regulations | 25% | - Unfair Claims Settlement Practices Act / Regulation 64 - NY Insurance Law Articles and DFS regulations - State-specific policy provisions and mandatory endorsements - Licensing requirements, eligibility, and examination rules |
| Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Insurance contract elements and legal structure - Risk management and insurable interest |
>> NY-Independent-General-Adjuster Exam Questions And Answers <<
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NEW QUESTION # 32
Leah provides transportation for her client to their business lunch. Leah's client closes the car door on her own hand. What type of coverage applies?
Answer: D
Explanation:
The correct answer is C - Medical payments. Automobile Medical Payments coverage is designed to pay qualifying medical and funeral expenses for the insured and passengers injured in an accident involving the covered automobile, without regard to fault, up to the stated policy limit. New York DFS expressly describes Medical Payments Coverage in these terms.
The client closes the vehicle door on her own hand. No fact establishes negligence by Leah, so liability coverage is not the best answer. Liability coverage ordinarily responds when an insured becomes legally responsible for bodily injury or property damage to another person. Here, the passenger's own action caused the injury.
Physical Damage coverage is also incorrect because it protects against damage to the automobile itself, not bodily injury sustained by a passenger. Health insurance may ultimately address certain medical expenses depending on coordination-of-benefits rules, but it is not the automobile coverage specifically designed for this scenario.
In New York, mandatory No-Fault/PIP may also be relevant to injuries arising from the use or operation of a motor vehicle and is generally primary to health insurance. However, PIP is not one of the options. Among the listed answers, Medical Payments is the intended coverage classification.
Therefore, C is correct.
NEW QUESTION # 33
An adjuster cannot contact the insured or claimant once they retain the services of
Answer: D
Explanation:
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.
NEW QUESTION # 34
Hired and Non-owned Auto Liability Endorsement covers which of the following?
Answer: D
Explanation:
The correct answer is A. The BOP Hired Auto and Non-Owned Auto Liability Endorsement fills an important gap created by the standard auto exclusion. Non-owned auto liability applies to bodily injury or property damage arising from use of a non-owned automobile in the insured's business. A classic example is an employee using the employee's personally owned automobile while conducting business for the employer.
Standard endorsement wording provides that Non-Owned Auto Liability applies to bodily injury or property damage arising from use of any "non-owned auto" in the business. It specifically contemplates automobiles owned by employees when they are being used for business purposes.
Options B and C involve a company-owned van. An owned business automobile should ordinarily be insured under an appropriate commercial auto policy rather than the BOP's hired/non-owned endorsement. Option D likewise involves a company auto and therefore does not satisfy the non-owned or hired-auto concept.
The endorsement is principally liability coverage; it does not automatically pay physical damage to the employee's personal automobile.
The Series 17-70 BOP curriculum specifically tests the Hired Auto and Non-Owned Auto Liability endorsement, liability exclusions, and automobile-related business exposures.
Therefore, A is correct.
NEW QUESTION # 35
On a Commercial General Liability claims-made policy, a claim is first made when notice of the claim is received by the insured party or the
Answer: D
Explanation:
The correct answer is A - insurer. Under standard claims-made CGL wording, a claim by a person or organization seeking damages is generally considered made when notice of the claim is received and recorded by any insured or by the insurer, whichever occurs first. Judicial decisions reproducing standard claims-made CGL language apply exactly this trigger.
This differs fundamentally from an occurrence-based CGL policy. Under an occurrence form, coverage is principally tied to when the bodily injury or property damage occurs. Under a claims-made form, the timing of the claim being made-and where required, reported-becomes a central coverage trigger. A retroactive date and applicable Extended Reporting Period may also affect whether the claim is covered.
Receipt by the injured party does not constitute the relevant claim-made trigger because the injured party is ordinarily the person asserting the claim. Likewise, receipt by the claimant's attorney does not satisfy the contractual language. An insurance agent may transmit notice, but the standardized answer asks which party, in addition to an insured, is expressly identified in the claims-made provision: the insurer.
The Series 17-70 outline specifically tests occurrence versus claims-made, claims-made and reported coverage, trigger, retroactive date, and Extended Reporting Periods.
Therefore, A is correct.
NEW QUESTION # 36
Under a Businessowners Policy, Inside the Premises - Robbery or Safe Burglary of Money and Securities, this coverage applies to robbery of
Answer: D
Explanation:
The correct answer is C - a custodian that takes place within the premises. Crime coverage titled Inside the Premises - Robbery of a Custodian or Safe Burglary of Money and Securities is specifically structured to protect money and securities against robbery of a custodian while inside the insured premises, as well as qualifying safe or vault burglary.
Current ISO commercial-crime analysis states that coverage applies to loss of money and securities resulting from the robbery of a custodian inside the insured premises or from safe or vault burglary or attempted burglary. A custodian generally includes the named insured, partners, members, or employees having care and custody of the insured property, subject to the form's definition.
Options A and B are incorrect because they place the robbery off premises. Off-premises losses are addressed by different crime insuring agreements, such as Outside the Premises coverage. Option D is incorrect because the critical insured person for this particular robbery provision is a custodian, not simply any customer or client present at the business.
The adjuster must distinguish theft, robbery, burglary, safe burglary, and employee dishonesty because each has a particular contractual meaning and may trigger different coverage.
Therefore, the event specifically contemplated by this coverage is robbery of a custodian inside the premises, making C correct.
NEW QUESTION # 37
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