NY-Independent-General-Adjuster Latest Test Practice, NY-Independent-General-Adjuster Relevant Answers

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

Section	Weight	Objectives
Topic 1: Commercial Package Policy	38%	- Commercial Policy Components 1. Common Policy Conditions 2. Common Policy Declarations - Transportation Coverages 1. Motor Truck Cargo 2. Transit Coverage 3. Common Carrier Legal Liability - Commercial Inland Marine 1. Marine Definition and Conditions 2. Jewelers Block, Signs and Electronic Data Processing 3. Contractors Equipment and Installation Floaters 4. Accounts Receivable and Valuable Papers
Topic 2: Insurance Basics	6%	- Policy Structure 1. Subrogation, Salvage and Loss Settlement 2. Limits, Deductibles and Other Insurance 3. Declarations, Conditions and Exclusions - Insurance Principles 1. Insurable Interest and Indemnity 2. Causes and Valuation of Loss 3. Hazards, Negligence and Liability - Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment
Topic 3: Homeowners Policy	10%	- Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Property Coverages 1. Dwelling, Other Structures and Personal Property 2. Loss of Use and Additional Coverages - Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Liability Coverages 1. Medical Payments to Others 2. Personal Liability
Topic 4: 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. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease
Topic 5: Adjusting Losses	11%	- Property and Liability Losses 1. Coverage Verification and Loss Evaluation 2. Estimates, Depreciation and Salvage - Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements
Topic 6: Personal Inland Marine	13%	- Personal Effects Floater 1. Coverage and Loss Settlement - Personal Articles Floater 1. Scheduled Personal Property - Personal Property Floater 1. Coverage and Eligible Property
Topic 7: Insurance Regulation	6%	- Claim Settlement Regulations 1. Unfair Claim Practices 2. Consumer Privacy - Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation
Topic 8: Dwelling Policy	6%	- Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures - Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils - Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements
Topic 9: Medical Reports and Terminology	4%	- Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations

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Free PDF Quiz Insurance Licensing - Valid NY-Independent-General-Adjuster - NewYorkIndependent General Adjuster (Series 17-70) Latest Test Practice

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q18-Q23):

NEW QUESTION # 18
The National Flood Insurance Program (NFIP) policies cover

A. sewer backup into a dwelling.
B. loss of use.
C. property against all direct loss from a flood.
D. indirect financial loss.

Answer: C

Explanation:
The correct answer is B. The National Flood Insurance Program is designed principally to insure eligible buildings and personal property against direct physical loss by or from flood. The Standard Flood Insurance Policy does not function as broad consequential-loss insurance. Federal policy language expressly distinguishes direct physical flood damage from indirect economic consequences such as loss of use, lost revenue, lost profits, business interruption, and additional living expenses. Therefore, option A and option C do not describe the fundamental NFIP coverage grant.
Option D is also incorrect as a general statement. Sewer or drain backup is not independently treated as a covered flood merely because water enters through a sewer or drain; coverage depends on whether the backup is directly caused by an insured flood meeting the federal policy definition and conditions.
Option B uses simplified exam wording. Technically, NFIP does not cover literally every direct loss without limitation; coverage remains subject to insured-property requirements, exclusions, limits, and deductibles.
Nevertheless, B accurately states the intended coverage principle. The official Series 17-70 outline specifically includes National Flood Insurance Program-eligibility, coverage, flood definition, limits, deductibles, proof of loss, and policy forms.

NEW QUESTION # 19
A Public Employee Bond would be REQUIRED for which town employee?

A. Librarian.
B. Treasurer.
C. Truck driver.
D. Lifeguard.

Answer: B

Explanation:
The correct answer is C - Treasurer. A Public Official or Public Employee Bond guarantees the faithful and honest performance of duties by a public official or employee, particularly where the position involves custody, control, collection, or disbursement of public funds.
Treasurers are among the classic positions requiring public official bonds because they exercise direct fiduciary responsibility over governmental money. Surety industry guidance specifically identifies treasurers, tax collectors, clerks, and similar public officials as common positions for which statutory public-official bonds are required. The Surety Association's classification material likewise specifically identifies treasurers and tax collectors as public officials with bonding exposures.
A truck driver, lifeguard, or librarian may certainly be a municipal employee, but those occupations do not inherently involve the fiduciary custody and accounting of public funds that makes a Treasurer the clear examination answer. A particular jurisdiction could impose bonding requirements on additional positions, but that does not alter the general surety principle tested here.
Public official bonds protect the governmental entity and ultimately the public rather than functioning as conventional liability insurance for the official.
The Series 17-70 surety material requires knowledge of official bonds, public employee bonds, fidelity obligations, principals, obligees, and sureties.
Therefore, C is correct.

NEW QUESTION # 20
The self-insured portion of an insurance claim is called a

A. coinsurance.
B. principal.
C. liability.
D. deductible.

Answer: D

Explanation:
The correct answer is D - deductible. A deductible is the amount of an otherwise covered loss that the insured agrees to retain before or as part of the insurer's claim payment. In practical terms, it represents a form of self-insurance or risk retention within the policy.
New York Department of Financial Services defines an automobile physical-damage deductible as an amount the insured agrees to be responsible for in the event of a covered collision or comprehensive loss. DFS also explains that increasing the deductible generally shifts a larger portion of potential loss to the insured and can reduce the insurance premium.
For example, if a covered property loss is $8,000 and the policy contains a $1,000 deductible, the insurer ordinarily pays $7,000, assuming no other limitation applies. The insured absorbs the first $1,000.
Coinsurance is different. It is an insurance-to-value mechanism that can reduce recovery when the insured fails to maintain the required amount of insurance. A principal is a party or amount concept used in other financial or surety contexts. Liability describes legal responsibility and is not the portion of a loss retained by the insured.
The Series 17-70 outline specifically tests deductibles, loss valuation, policy limits, coinsurance, and claim settlement calculations.
Therefore, D is correct.

NEW QUESTION # 21
An insurance licensee must do all of the following in order to renew the insurance license EXCEPT

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

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 # 22
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?

A. Health injury.
B. Personal injury.
C. Bodily injury.
D. Property damage.

Answer: C

Explanation:
The correct answer is A - Bodily injury. Commercial General Liability terminology defines "bodily injury" broadly to include bodily injury, sickness, or disease sustained by a person, including death resulting from any of these. Food poisoning from improperly prepared chicken salad constitutes sickness or disease affecting a person's body; because the customer dies as a result, the resulting death remains within the bodily-injury definition.
This scenario may also implicate the products-completed operations hazard, because the allegedly defective or contaminated food caused injury after being provided to the customer. Nevertheless, the question asks for the type of loss, not which CGL hazard classification applies. The loss is therefore bodily injury.
Property damage refers to physical injury to tangible property or qualifying loss of use and does not describe injury or death to a human being. "Health injury" is not the standardized CGL category used for this coverage.
Personal and advertising injury concerns specifically defined offenses such as false arrest, malicious prosecution, wrongful eviction, certain privacy violations, and specified publication-related offenses-not physical illness from contaminated food.
The Series 17-70 outline expressly covers CGL bodily injury and property damage liability, premises and operations, and products-completed operations.

NEW QUESTION # 23
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