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| Section | Weight | Objectives |
|---|---|---|
| Other Property and Liability Coverages | - Crime insurance - Ocean marine - Flood insurance - Inland marine - Personal automobile - Aviation insurance - Surety and fidelity bonds - Commercial automobile - Workers compensation - Excess liability | |
| Claims Adjustment Procedures | - Releases - Mediation - Arbitration - Subrogation procedures - Draft authority - Competitive estimates - Execution of releases - Claims adjustment procedures - Coverage problems - Settlement procedures - Advance payments - Negotiation - Alternative dispute resolution - Reservation of rights letters - Appraisal - Non-waiver agreements | |
| Insurance Regulation | - Temporary adjuster permits - License maintenance and duration - Licensing process - License renewal - Bond requirements - Qualifications - Fingerprinting - Licensing requirements | |
| Commercial Property | - Commercial property coverage - Commercial General Liability - Commercial Package Policy - Businessowners Policy - Commercial property forms and endorsements | |
| Commercial Package Policy | 38% | - First named insured - Common policy conditions - Components of a commercial policy - Common policy declarations - Monoline versus package policies |
| Insurance Principles and Concepts | - Moral hazards - Morale hazards - Insurance principles and concepts - Insurance contracts - Insurable interest - Concealment - Hazards - Physical hazards - Waiver and estoppel - Fraud - Warranties - Representations and misrepresentations | |
| Dwelling and Homeowners Insurance | - Homeowners liability coverage - Homeowners property coverage - Dwelling policies - Personal umbrella policies - Standard Fire Policy - New York specific endorsements - Personal liability supplement | |
| New York Unfair Claim Settlement and Prohibited Practices | - New York cybersecurity regulation - Terrorism Risk Insurance Act - Insurance fraud and false statements - New York claim settlement laws and regulations - Unfair claim settlement practices - Consumer privacy requirements |
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NEW QUESTION # 83
Which of the following is NOT an expense that could be covered by the Comprehensive Motor Vehicle Insurance Reparations Act (PIP)?
Answer: B
Explanation:
The correct answer is D - Property damage. New York's Comprehensive Motor Vehicle Insurance Reparations Act establishes the state's No-Fault / Personal Injury Protection system. PIP is designed to reimburse qualifying injured persons for basic economic loss resulting from bodily injury arising out of the use or operation of a motor vehicle, without regard to fault.
New York DFS states that basic No-Fault protection includes medical and health expenses, lost earnings, and certain other reasonable and necessary expenses. Medical expenses expressly include dental services, so both options A and C may qualify. Lost earnings are also expressly included, subject to statutory limitations.
Property damage is fundamentally different. Damage to another person's vehicle or other property is handled under property damage liability coverage, not first-party PIP benefits. PIP follows the injured person and addresses economic losses caused by personal injury; it does not reimburse the insured for physical damage to automobiles or other tangible property.
The Series 17-70 examination outline specifically includes the Comprehensive Motor Vehicle Insurance Reparations Act, mandatory Personal Injury Protection, basic economic loss, and New York auto coverage requirements.
Therefore, D is correct.
NEW QUESTION # 84
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the
Answer: B
Explanation:
The correct answer is B. Under Businessowners liability coverage, the insurer ordinarily has both a duty to indemnify for covered damages and a duty to defend the insured against qualifying suits. The defense obligation is broad, but it is not unlimited.
Standard BOP wording provides that the insurer's duty to defend terminates when the applicable limit of insurance has been used up through payment of judgments or settlements. Importantly, merely offering or depositing the policy limit is not necessarily sufficient; exhaustion must occur in accordance with the policy's contractual language.
Option A has no relationship to the policy's defense obligation. Tax-payment status is not a BOP liability- defense trigger. Option C can eventually create policy cancellation or lapse issues if premium obligations are not satisfied, but it does not describe the specific provision controlling termination of defense after a covered liability claim has arisen. Option D is entirely unsupported by the contract: an insurer cannot terminate its contractual defense obligation simply because it considers the insured's prior claim history excessive.
The Series 17-70 outline specifically tests Businessowners liability coverage, limits of insurance, liability exclusions, conditions, and claim handling.
Therefore, once the applicable liability limit has been properly exhausted through judgments or settlements, the duty to defend can end.
Thus, B is correct.
NEW QUESTION # 85
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the
Answer: B
Explanation:
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.
NEW QUESTION # 86
Which of the following is NOT a basic peril on all homeowners forms?
Answer: B
Explanation:
The correct answer is D - Flood. Standard homeowners insurance does not treat flood as one of its basic insured perils. Flood is generally excluded from ordinary homeowners property coverage and normally requires separate flood insurance, such as coverage obtained through the National Flood Insurance Program or an eligible private flood insurer.
By contrast, riot or civil commotion, smoke, and volcanic eruption are among the standard named causes of loss appearing in homeowners forms. The Insurance Information Institute's comparison of homeowners perils identifies riot/civil commotion, smoke, and volcanic eruption as covered causes while explaining that flood requires separate protection.
The exclusion of flood is particularly important for adjusters because "water damage" is not a single coverage category. The adjuster must determine the actual mechanism and source of water-such as plumbing leakage, rain entering through covered storm damage, surface water, tidal overflow, sewer backup, or flood-and then apply the specific policy language.
The official Series 17-70 outline requires knowledge of the Homeowners 2011 Policy, including perils insured against, exclusions, and conditions. It separately identifies the National Flood Insurance Program elsewhere in the broader property curriculum.
Therefore, the peril that is not a basic homeowners peril is D - Flood.
NEW QUESTION # 87
Which of the following provides high-quality magnetic images of body areas without the use of ionizing radiation?
Answer: D
Explanation:
The correct answer is C - MRI. Magnetic Resonance Imaging (MRI) produces detailed images by using a powerful magnetic field, radiofrequency energy, and computer processing. Unlike conventional X-rays and computed tomography (CAT/CT), MRI does not use ionizing radiation.
The U.S. Food and Drug Administration confirms that MR images are created without ionizing radiation and notes that MRI provides especially strong soft-tissue contrast, allowing differentiation among structures such as muscle, fat, water-containing tissues, joints, the brain, and other organs.
CAT or CT scanning, option A, uses X-ray technology and therefore involves ionizing radiation.
Conventional X-rays, option D, obviously also rely on ionizing radiation. Ultrasound, option B, does not use ionizing radiation either; it uses high-frequency sound waves. However, the question specifically asks for high-quality magnetic images, which uniquely identifies MRI among the choices.
An adjuster handling accident, disability, health, or workers compensation claims must understand diagnostic terminology because medical imaging reports may establish the existence, severity, location, and causation of an alleged injury.
The Series 17-70 outline specifically tests Understanding the Language of Medical Reports, including medical terminology and abbreviations, basic anatomy, and common injuries and diseases.
NEW QUESTION # 88
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