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| Section | Weight | Objectives |
|---|---|---|
| Claims Adjustment Procedures | - Mediation - Non-waiver agreements - Settlement procedures - Appraisal - Coverage problems - Negotiation - Execution of releases - Competitive estimates - Draft authority - Alternative dispute resolution - Releases - Reservation of rights letters - Arbitration - Advance payments - Claims adjustment procedures - Subrogation procedures | |
| Insurance Principles and Concepts | - Waiver and estoppel - Physical hazards - Insurance principles and concepts - Moral hazards - Fraud - Insurable interest - Morale hazards - Concealment - Hazards - Representations and misrepresentations - Warranties - Insurance contracts | |
| Commercial Property | - Commercial property forms and endorsements - Commercial General Liability - Commercial property coverage - Businessowners Policy - Commercial Package Policy | |
| Other Property and Liability Coverages | - Inland marine - Surety and fidelity bonds - Workers compensation - Flood insurance - Excess liability - Crime insurance - Aviation insurance - Commercial automobile - Ocean marine - Personal automobile | |
| New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - New York cybersecurity regulation - Terrorism Risk Insurance Act - New York claim settlement laws and regulations - Consumer privacy requirements - Insurance fraud and false statements | |
| Insurance Regulation | - Qualifications - License renewal - Licensing process - Licensing requirements - License maintenance and duration - Fingerprinting - Bond requirements - Temporary adjuster permits | |
| Commercial Package Policy | 38% | - Common policy conditions - Components of a commercial policy - First named insured - Monoline versus package policies - Common policy declarations |
| Dwelling and Homeowners Insurance | - New York specific endorsements - Homeowners property coverage - Personal umbrella policies - Homeowners liability coverage - Dwelling policies - Standard Fire Policy - Personal liability supplement |
>> NY-Independent-General-Adjuster Lernhilfe <<
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10. Frage
Which of the following is a disruption of a joint in which the bone ends are no longer in contact?
Antwort: C
Begründung:
The correct answer is B - Dislocation. A dislocation is a joint injury in which the normal relationship between the bones forming the joint is disrupted and the bone ends are forced out of their normal position.
MedlinePlus describes a dislocation as disruption of the normal position of the ends of two or more bones where they meet at a joint.
A fracture, option A, is a break in a bone and does not necessarily involve displacement of a joint. A sprain, option C, involves stretching or tearing of ligaments that stabilize a joint, while the articulating bones may remain in their normal relationship. A strain, option D, principally involves injury to a muscle or tendon.
This terminology matters to an independent adjuster because accident, automobile, liability, disability, and workers compensation claims frequently require review of medical reports. The nature of an injury affects causation analysis, treatment requirements, expected recovery, disability duration, and valuation of damages.
The Series 17-70 curriculum includes interpretation of medical reports, basic anatomy, medical terminology, and common injuries as part of claims adjustment knowledge. A joint whose opposing bone surfaces are no longer normally positioned is therefore describing a dislocation, not merely a sprain or fracture.
11. Frage
A commercial umbrella policy provides coverage in which of the following situations?
Antwort: D
Begründung:
The correct answer is D. A commercial umbrella policy provides an additional layer of liability insurance above specified underlying policies, such as Commercial General Liability, Business Auto Liability, or Employers Liability. For a loss covered by both the underlying policy and umbrella, the umbrella generally begins responding after the applicable underlying limits have been exhausted by covered loss, subject to the umbrella's terms, limits, exclusions, and attachment requirements.
Travelers describes umbrella coverage as providing additional limits for types of losses covered by primary policies, while excess liability functions as another layer over primary protection. The Series 17-70 outline specifically tests commercial umbrella coverage, underlying limits, excess coverage, stand-alone coverage, and follow-form concepts.
Option A is incorrect because an umbrella ordinarily does not automatically drop down merely because an underlying insurer becomes insolvent; insolvency treatment depends on the umbrella's exact wording. Option B refers to a personal-auto exposure rather than the commercial liability structure asked about. Option C is incorrect because a loss still within the retained underlying limit is principally the responsibility of the underlying insurer or insured retention.
Thus, once the required underlying policy limits have been exhausted by covered claims, the umbrella layer can attach.
Therefore, D is correct.
12. Frage
Which is NOT a type of bond?
Antwort: B
Begründung:
The correct answer is A - Obligee. An obligee is not a type of surety bond; it is one of the three parties to a surety bond. The three parties are the principal, the obligee, and the surety. The principal is the party whose performance or obligation is guaranteed. The obligee is the party requiring and benefiting from the bond. The surety is the organization that guarantees the principal's obligation according to the bond terms.
By contrast, bid bonds and performance bonds are recognized types of contract surety bonds. A bid bond supports the bidder's commitment to enter the contract and furnish required security if awarded the job. A performance bond guarantees that the principal will perform the contractual obligations covered by the bond.
"Court bond" is commonly used as a broad description for bonds required in judicial proceedings. The official Series 17-70 outline categorizes these as judicial bonds and separately lists such forms as attachment, replevin, appeal, injunction, and cost bonds.
The Series 17-70 outline makes the distinction explicit: it lists Principal, Obligee, and Surety under "Parties of a surety bond," while Bid and Performance appear under types of contract bonds, and judicial bonds appear as another bond category.
13. Frage
In a Dwelling Policy, an unoccupied property refers to one that has no
Antwort: C
Begründung:
The correct answer is B - inhabitants. Insurance terminology distinguishes unoccupied property from vacant property. An unoccupied dwelling is generally one that is not presently being lived in but may continue to contain the furniture, fixtures, and personal property normally associated with habitation. A vacant building, by contrast, generally lacks both inhabitants and substantial contents necessary for ordinary occupancy.
New York Department of Financial Services guidance directly addresses this distinction. DFS explains that a vacant residence typically contains no personal property and no inhabitants, whereas an unoccupied residence may retain fixtures and furniture but has no inhabitants or occupants. New York case law cited by DFS similarly treats an unoccupied building as one not being lived in even though personal property remains.
Consequently, option C describes an element more characteristic of vacancy, not merely unoccupancy. The presence or absence of alarms or locks does not determine occupancy status, eliminating A and D.
This distinction matters because vacancy and unoccupancy can affect particular causes of loss, conditions, exclusions, protective obligations, and claim determinations. The Series 17-70 outline tests policy definitions, conditions, exclusions, and dwelling-property coverage concepts.
Therefore, a dwelling without inhabitants is properly characterized as unoccupied, making B correct.
14. Frage
An example of the insured's consideration is
Antwort: A
Begründung:
The correct answer is B. Consideration is one of the elements required for an enforceable insurance contract.
Consideration means something of legal value exchanged between the contracting parties. From the insured's side of an insurance transaction, the principal consideration consists of the premium, together with the representations and promises made in the application. From the insurer's side, consideration is the contractual promise to provide the insurance protection and pay covered claims according to the policy terms.
Of the available choices, a paid premium is therefore the clearest and most direct example of the insured's consideration. An application, option A, is primarily the mechanism through which the prospective insured requests coverage and provides underwriting information; the application itself is not the best answer to what constitutes consideration. A contract-signing requirement is procedural rather than the exchanged value supporting the contract. A notice of beneficiary is associated with identifying or changing the person entitled to receive certain policy benefits and is unrelated to contractual consideration.
The official Series 17-70 examination outline specifically places Contract Basics, Elements of a Legal Contract, Offer and Acceptance, and Consideration under Insurance Basics.
Accordingly, the premium supplied by the insured in exchange for the insurer's promise of coverage makes B correct.
15. Frage
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