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| Section | Weight | Objectives |
|---|---|---|
| Insurance Fundamentals & General Principles | 15% | - Insurance contract elements and legal structure - Risk management and insurable interest - Indemnity, subrogation, utmost good faith |
| New York Insurance Law & Regulations | 25% | - Licensing requirements, eligibility, and examination rules - NY Insurance Law Articles and DFS regulations - Unfair Claims Settlement Practices Act / Regulation 64 - State-specific policy provisions and mandatory endorsements |
| Ethics & Professional Responsibility | 15% | - Fair claims handling standards and professional conduct - Fraud detection and reporting obligations - Fiduciary duty, conflict of interest, and confidentiality |
| 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 |
| Property & Casualty Coverages | 25% | - Dwelling and Homeowners policies - Commercial Property and Businessowners policies - General Liability and Commercial General Liability - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - Automobile coverages — Personal and Commercial |
>> NY-Independent-General-Adjuster Praxisprüfung <<
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90. Frage
What type of insurance covers goods in transit over water?
Antwort: B
Begründung:
The correct answer is A - Cargo. Marine Cargo Insurance protects goods or merchandise against covered physical loss or damage while those goods are being transported. Although historically associated primarily with ocean voyages, contemporary cargo policies can cover transit by sea, air, road, rail, or combinations of these methods.
Major marine insurers describe cargo coverage specifically as insurance for goods in transit, including movements by sea. Thus, when the exposure is physical loss of merchandise being transported over water, cargo insurance is the correct form.
"Freight," option C, ordinarily refers to transportation charges or, in marine terminology, the financial interest associated with earning freight charges. It does not identify the insurance protecting the goods themselves.
Protection and Indemnity, option D, is principally maritime liability insurance for vessel owners and operators, addressing exposures such as third-party bodily injury, property damage, crew liability, collision liabilities, and related maritime obligations. "Piracy" is a peril or specialized exposure rather than the general policy classification requested.
An independent adjuster must distinguish hull, cargo, freight, and protection-and-indemnity interests because each represents a different insurable interest within ocean marine insurance.
Therefore, goods transported over water are insured under Cargo Insurance, making A correct.
91. Frage
A travel accident policy and a dread-disease contract are examples of
Antwort: D
Begründung:
The correct answer is D - limited health insurance policies. Limited health insurance is designed to provide benefits for a narrowly defined event, disease, service, or category of loss rather than the broad spectrum of expenses normally addressed by comprehensive medical coverage.
A travel accident policy provides narrowly focused accident protection associated with travel or specified transportation exposures. Similarly, a specified or dread-disease policy pays benefits only when the insured experiences a specifically designated condition, such as cancer or another condition listed in the contract.
Because their benefit triggers and covered losses are intentionally restricted, both fit the limited-policy classification.
The Series 17-70 examination outline makes this distinction directly. It includes Limited versus comprehensive coverage, "Limited policies," "limited benefits and amounts," and specifically identifies Accident-only and Specified (dread) disease policies among the tested forms.
Options A and B describe methods of organizing insured persons rather than the limited nature of the coverage. Option C, "personal health policies," is too broad and does not identify the essential characteristic being tested.
An adjuster must recognize that a limited policy does not provide general medical insurance merely because an insured experiences medical expenses. Benefits are payable only when the loss falls within the policy's narrowly stated coverage trigger.
Therefore, D is correct.
92. Frage
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
Antwort: B
Begründung:
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.
93. Frage
Which of the following exposures would be necessary to purchase a garage coverage form?
Antwort: C
Begründung:
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.
94. Frage
Which coverage form would a condominium unit-owner purchase?
Antwort: A
Begründung:
The correct answer is D - HO-6. The HO-6 is the Homeowners Unit-Owners Form, designed specifically for an individual who owns and occupies a condominium unit. The condominium association normally carries a master property policy covering common elements and whatever portions of the building are assigned to the association under its governing documents. The individual unit owner therefore needs separate protection for personal property, personal liability, loss of use, and building items for which the unit owner is responsible.
New York DFS specifically identifies HO-6 as the condominium policy form, while ISO terminology describes HO-6 as the Unit-Owners Form. The Series 17-70 examination outline expressly requires knowledge of HO-2 through HO-6 and HO-8, including their property and liability coverages.
HO-2 and HO-3 are principally designed for owner-occupied houses. HO-4 is the Tenants Form and generally addresses renters rather than condominium unit owners. Although cooperative apartment arrangements can involve somewhat different property interests, the standardized condominium unit-owner form tested here is unequivocally HO-6.
Therefore, the appropriate form is D.
95. Frage
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