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| Section | Weight | Objectives |
|---|---|---|
| Medical Reports and Terminology | 4% | - Medical Terminology
|
| Personal Inland Marine | 13% | - Personal Articles Floater
|
| Insurance Regulation | 6% | - Claim Settlement Regulations
|
| Accident and Health Insurance Basics | 6% | - Limited Policies
|
| Insurance Basics | 6% | - Insurance Principles
|
| Commercial Package Policy | 38% | - Transportation Coverages
|
| Adjusting Losses | 11% | - Claim Settlement
|
| Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
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NEW QUESTION # 37
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
Answer: D
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 # 38
Under a Homeowners policy, which of the following is an insured location?
Answer: C
Explanation:
The correct answer is A - Cemetery plots of any insured. The standardized Homeowners definition of
"insured location" is broader than the residence premises alone. It includes several specifically described locations connected with an insured, one of which is an individual or family cemetery plot or burial vault of an insured.
Published homeowners policy language reproduced in judicial decisions expressly lists individual or family cemetery plots or burial vaults of an insured within the definition of insured location.
An airport is not automatically an insured location merely because an insured happens to be present there.
Similarly, an office building used for business is not brought within the homeowners insured-location definition solely because an insured works there. Farmland is particularly important because homeowners wording generally includes vacant land other than farm land owned by or rented to an insured. Thus, farmland does not qualify under that provision.
The definition is especially significant for Section II liability coverage, because certain premises-related bodily injury or property damage exposures depend on whether a location qualifies as an insured location.
The official Series 17-70 outline tests Homeowners definitions, the HO-2 through HO-6 forms, Section II liability coverages, exclusions, and conditions.
Therefore, A is the only listed location expressly recognized by standard homeowners wording.
NEW QUESTION # 39
What type of insurance covers goods in transit over water?
Answer: A
Explanation:
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.
NEW QUESTION # 40
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
Answer: A
Explanation:
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
NEW QUESTION # 41
Which section of an insurance policy clarifies the meanings of certain terms used in the policy?
Answer: D
Explanation:
The correct answer is D - Definitions. The Definitions section establishes the contractual meaning of important words and phrases used throughout an insurance policy. Defined terms often appear in quotation marks, boldface, or another distinctive format and must be interpreted according to the policy definition rather than solely according to ordinary conversational meaning. This is critical for adjusters because coverage determinations frequently depend on whether a person, property, event, or circumstance satisfies a defined term such as "insured," "occurrence," "bodily injury," "property damage," "residence premises," or "your covered auto." The Insuring Agreement states the insurer's basic promise to provide coverage when specified requirements are met. The Declarations identify policy-specific information such as the named insured, policy period, insured property, selected coverages, limits, and deductibles. The Conditions establish contractual rules and duties governing matters such as notice of loss, cooperation, cancellation, and claim handling.
An adjuster should therefore review definitions together with the coverage grant, exclusions, and conditions before reaching a coverage decision. A term defined within the contract controls the interpretation of that term for that policy.
Series 17-70 reference topics: Insurance Basics - Policy Structure, Definitions, Insuring Agreement, Declarations, Conditions, and Interpretation of Policy Language.
NEW QUESTION # 42
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