Latest NY-Independent-General-Adjuster Exam Pattern, NY-Independent-General-Adjuster Valid Practice Materials

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

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

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Free PDF 2026 Latest Insurance Licensing NY-Independent-General-Adjuster: Latest NewYorkIndependent General Adjuster (Series 17-70) Exam Pattern

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q97-Q102):

NEW QUESTION # 97
An insurance licensee must do all of the following in order to renew the insurance license EXCEPT

A. pay the required renewal fee to the Superintendent.
B. file the renewal application with the Superintendent.
C. complete the continuing education requirements.
D. send the application within 30 days of the license expiration date.

Answer: C

Explanation:
For the New York Independent General Adjuster Series 17-70, the correct answer is D - complete the continuing education requirements. This is an important New York-specific distinction.
The official New York PSI licensing bulletin expressly states that Independent Adjusters are not subject to the continuing-education requirements that apply to resident agents, brokers, consultants, and public adjusters.
The bulletin separately lists Independent Adjusters among license classes exempt from CE.
Renewal itself is governed by Insurance Law §2108. Every adjuster's license expires on December 31 of even- numbered years and may be renewed for the ensuing two calendar years by filing the prescribed renewal application. The law also requires the applicable license fee when applying for renewal.
The wording of option A is imprecise because New York law specifically provides that a renewal application filed by December 31 of the expiration year allows the existing license to continue while the application is processed; the statute does not establish a universal "within 30 days" formulation as written. Nevertheless, the decisive Series 17-70 rule tested here is the CE exemption.
The official Series 17-70 outline specifically includes renewal under §2108(i) and (j).
Therefore, D is the verified Series 17-70 answer.

NEW QUESTION # 98
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?

A. Specified Coverage.
B. Physical Damage Coverage.
C. Garagekeepers Coverage.
D. Liability Coverage.

Answer: C

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 # 99
What is NOT an element of verifying coverage?

A. The value of the claim.
B. Confirmation of insured property.
C. Date of loss within the policy period.
D. Confirmation of the named insured.

Answer: A

Explanation:
The correct answer is D - The value of the claim. Coverage verification is performed to determine whether the insurance contract potentially responds to the reported occurrence. The adjuster first confirms that the policy was in force on the date of loss, because a loss occurring outside the effective policy period normally cannot trigger that contract. The adjuster must also establish that the claimant or affected party qualifies as the named insured or another insured person under the applicable provisions.
For a property claim, the adjuster must verify that the damaged property is property insured by the contract, at an insured location where applicable, and subject to the relevant coverage. These are fundamental coverage questions.
The value of the claim, however, concerns loss measurement rather than initial coverage verification. Once coverage has been established, the adjuster evaluates the extent of damage, repair or replacement costs, actual cash value or replacement cost provisions, depreciation, deductibles, limits, coinsurance, and other valuation considerations.
Coverage and valuation must therefore be distinguished. A loss may be covered even though its final monetary value has not yet been determined.
Series 17-70 reference topics: Insurance Basics - Policy Period, Named Insured, Covered Property, Coverage Analysis, Loss Adjustment, and Claim Valuation.

NEW QUESTION # 100
An adjuster cannot contact the insured or claimant once they retain the services of

A. a private investigator.
B. an appraiser except in arbitration.
C. a medical professional.
D. an attorney except with permission.

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 # 101
Under a Homeowners Policy, coverage up to $500 is provided for the insured's legal obligation to pay losses in all of the following situations EXCEPT

A. theft of a credit card.
B. the dishonesty of an insured.
C. forgery or alteration of the insured's check.
D. the insured's acceptance in good faith of counterfeit money.

Answer: B

Explanation:
The correct answer is B - the dishonesty of an insured. Under the Homeowners 2011 framework tested by Series 17-70, an Additional Coverage addresses Credit Card, Electronic Fund Transfer Card or Access Device, Forgery, and Counterfeit Money. Traditional ISO homeowners wording provides up to $500 for specified losses involving unauthorized use of covered cards or access devices, forgery or alteration of checks and similar negotiable instruments, and acceptance in good faith of counterfeit U.S. or Canadian paper currency.
However, the coverage does not protect an insured against losses caused by the dishonesty of an insured. Such a result would conflict with the basic insurance principle that intentional dishonest acts of an insured are not transformed into fortuitous insured losses.
Option A is within the purpose of the coverage when the credit card is stolen and subsequently used without authorization, subject to policy conditions. Option C is specifically contemplated by forgery coverage, and option D is expressly part of counterfeit-money protection.
The official New York Series 17-70 outline identifies the Homeowners (2011) Policy, including Section I property coverages, Additional Coverages, exclusions, conditions, and selected endorsements.
Therefore, B is the required answer.

NEW QUESTION # 102
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