NY-Independent-General-Adjuster Test Dumps Demo, Valid NY-Independent-General-Adjuster Exam Papers

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

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q62-Q67):

NEW QUESTION # 62
Charges for transporting a person injured in an aircraft accident by ambulance are covered under

A. deductibles.
B. medical payments.
C. fiduciary liability.
D. premiums.

Answer: B

Explanation:
The correct answer is A. Aircraft Medical Payments coverage pays specified medical expenses resulting from bodily injury sustained in connection with a covered aircraft accident, generally without requiring the injured person first to establish negligence against the aircraft owner or operator.
AOPA's aviation-insurance guidance specifically states that aircraft Medical Payments coverage includes expenses such as ambulance, surgical, dental, and professional nursing services. It can also apply to injuries occurring while a person is entering or leaving the aircraft, subject to the policy's limits and conditions.
This protection is distinct from bodily injury liability coverage. Liability insurance responds when an insured is legally responsible for another person's bodily injury, whereas Medical Payments is designed to fund qualifying medical expenses on a limited no-fault basis.
Option B is incorrect because a deductible is the portion of a covered loss retained by the insured rather than a benefit paying medical expenses. Option C refers to the consideration paid for insurance coverage. Option D, fiduciary liability, protects against specified breaches of fiduciary duty and has no relationship to ambulance transportation following an aircraft accident.
The Series 17-70 curriculum includes specialized aviation insurance concepts together with medical-payment and liability distinctions.
Therefore, ambulance charges are properly classified under Medical Payments, making A correct.

NEW QUESTION # 63
According to the conditions of Commercial General Liability (CGL), what are the insured's duties in the event of an occurrence, claim, or suit?

A. They must promptly notify the insurer of an occurrence that may result in a claim.
B. They should cooperate and assist in the investigation of a claim if they feel they can be helpful.
C. They must provide written notice of a claim or suit within 7 days of an occurrence.
D. They should provide notice to the insurer of all business matters.

Answer: A

Explanation:
The correct answer is B. Under the standard CGL condition titled Duties in the Event of Occurrence, Offense, Claim or Suit, the insured must see that the insurer is notified as soon as practicable of an occurrence or offense that may result in a claim. The notice should, to the extent possible, identify how, when, and where the occurrence happened, the names and addresses of injured persons and witnesses, and the nature and location of resulting injury or damage. New York Court of Appeals decisions reproduce this CGL condition substantially verbatim.
Option A is incorrect because the standard CGL does not establish a universal seven-day reporting deadline.
Option C is defective because cooperation is not discretionary; the insured must cooperate with investigation, settlement, and defense and provide assistance when requested. Option D is far too broad because the policy does not require reporting every business matter.
Once an actual claim or suit is received, additional duties apply, including promptly notifying the insurer and forwarding demands, notices, summonses, and legal papers.
The Series 17-70 outline specifically covers CGL conditions, occurrence versus claims-made coverage, investigation, and duties after loss or claim.

NEW QUESTION # 64
An insurance licensee must do all of the following in order to renew the insurance license EXCEPT

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

Answer: A

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 # 65
Under an HO-3 Policy, Coverage F - Medical Payments to Others applies to all of the following EXCEPT

A. a mail carrier who is bitten by an insured's dog.
B. a meter reader who trips on an insured's skateboard.
C. a family friend who is injured while playing volleyball in an insured's backyard.
D. an insured's nanny who is accidentally injured while doing personal shopping.

Answer: D

Explanation:
The correct answer is C. Coverage F - Medical Payments to Others provides limited no-fault medical- expense protection for qualifying bodily injury to persons other than an insured. Coverage commonly applies to persons injured on an insured location with permission, and in specified situations involving the insured's activities, residence employees, or animals.
A special rule applies to a residence employee. Medical Payments may cover a residence employee away from the insured location when the injury arises out of or in the course of the employee's work for the insured.
However, standard HO-3 analysis excludes a residence employee's injury occurring away from the insured location when the injury is unrelated to that employment.
The nanny in option C is engaged in personal shopping, not performing duties for the insured. The necessary employment connection therefore does not exist.
The meter reader in A is injured on the insured premises, the mail carrier in B has an injury arising from the insured's dog, and the invited family friend in D is injured while on the insured location. Those scenarios fall within the general scope of Coverage F, subject to normal policy conditions and exclusions.
The Series 17-70 outline tests Homeowners Coverage F - Medical Payments to Others, definitions, exclusions, and Section II conditions.
Therefore, C is correct.

NEW QUESTION # 66
What is NOT an element of verifying coverage?

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

Answer: D

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 # 67
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