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| Section | Weight | Objectives |
|---|---|---|
| New York Insurance Law & Regulations | 25% | - State-specific policy provisions and mandatory endorsements - NY Insurance Law Articles and DFS regulations - Unfair Claims Settlement Practices Act / Regulation 64 - Licensing requirements, eligibility, and examination rules |
| Claims Investigation & Adjusting Procedures | 20% | - Claim intake, notice of loss, and initial investigation - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation - Loss valuation, damage assessment, and estimating |
| Insurance Fundamentals & General Principles | 15% | - Insurance contract elements and legal structure - Risk management and insurable interest - Indemnity, subrogation, utmost good faith |
| Ethics & Professional Responsibility | 15% | - Fraud detection and reporting obligations - Fiduciary duty, conflict of interest, and confidentiality - Fair claims handling standards and professional conduct |
| Property & Casualty Coverages | 25% | - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - General Liability and Commercial General Liability - Dwelling and Homeowners policies - Commercial Property and Businessowners policies - Automobile coverages — Personal and Commercial |
>> New Insurance Licensing NY-Independent-General-Adjuster Exam Test <<
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NEW QUESTION # 10
Which coverage form would a condominium unit-owner purchase?
Answer: D
Explanation:
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.
NEW QUESTION # 11
Accident-only policies commonly include benefits due to losses related to
Answer: D
Explanation:
The correct answer is C. Accident-only insurance is a limited form of accident and health coverage in which benefits are triggered by an accident or specified category of accidental event, rather than by sickness generally. The NAIC defines an accident as an unexpected event or circumstance without deliberate intent and describes accident-only insurance as coverage for death, dismemberment, disability, hospital treatment, or medical care caused or necessitated by an accident or specified kinds of accidents.
Option A is incorrect because illness is not converted into an accident simply because its onset is unexpected.
Coverage for sickness belongs to health or medical insurance provisions unless specifically included by another policy form. Option B, congenital diseases, similarly concerns medical conditions rather than accidental occurrences. Option D is too broad because the mere absence of intentional conduct does not automatically satisfy the policy's definition of an accidental injury or covered accident. There must be the required causal connection to an insured accidental event.
The Series 17-70 content outline expressly tests Accidental Injury, classes of accident and health coverage, limited policies, and specifically Accident-Only coverage.
Accordingly, a fortuitous, unexpected accidental event is the operative trigger, making C the correct answer.
NEW QUESTION # 12
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?
Answer: D
Explanation:
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.
NEW QUESTION # 13
Which of the following is NOT a basic peril on all homeowners forms?
Answer: D
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 # 14
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the
Answer: C
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 # 15
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