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| Section | Weight | Objectives |
|---|---|---|
| Claims Adjustment Procedures | - Coverage problems - Claims adjustment procedures - Negotiation - Non-waiver agreements - Draft authority - Reservation of rights letters - Alternative dispute resolution - Appraisal - Competitive estimates - Releases - Subrogation procedures - Settlement procedures - Arbitration - Mediation - Execution of releases - Advance payments | |
| Insurance Regulation | - Licensing process - Temporary adjuster permits - Fingerprinting - Licensing requirements - Bond requirements - License renewal - Qualifications - License maintenance and duration | |
| Other Property and Liability Coverages | - Excess liability - Personal automobile - Surety and fidelity bonds - Crime insurance - Workers compensation - Commercial automobile - Flood insurance - Aviation insurance - Ocean marine - Inland marine | |
| Commercial Package Policy | 38% | - Components of a commercial policy - Common policy conditions - Common policy declarations - Monoline versus package policies - First named insured |
| New York Unfair Claim Settlement and Prohibited Practices | - Unfair claim settlement practices - New York claim settlement laws and regulations - Terrorism Risk Insurance Act - Consumer privacy requirements - Insurance fraud and false statements - New York cybersecurity regulation | |
| Dwelling and Homeowners Insurance | - Homeowners property coverage - Dwelling policies - Personal liability supplement - Standard Fire Policy - Homeowners liability coverage - Personal umbrella policies - New York specific endorsements | |
| Commercial Property | - Commercial property coverage - Commercial property forms and endorsements - Businessowners Policy - Commercial Package Policy - Commercial General Liability | |
| Insurance Principles and Concepts | - Morale hazards - Physical hazards - Representations and misrepresentations - Insurance contracts - Insurable interest - Waiver and estoppel - Fraud - Warranties - Hazards - Moral hazards - Insurance principles and concepts - Concealment |
>> NY-Independent-General-Adjuster Prüfung <<
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83. Frage
Which of the following is a type of adjuster report?
Antwort: D
Begründung:
The correct answer is B - Interim Report. An interim report is a recognized claims-adjusting report used when an investigation or adjustment cannot yet be finalized. It updates the insurer concerning the current status of the claim, additional evidence obtained, developments since the preliminary report, revised reserves, outstanding documentation, coverage issues, recovery possibilities, or other material facts.
A strong example appears in FEMA's current NFIP Claims Manual. When an adjuster cannot complete the claim within the prescribed period following the preliminary report, an Interim Report is submitted and additional interim reports continue until the assignment can be concluded.
Option A is overly generic and is not the recognized report classification intended by the question. Option C, an appraisal report, may exist in valuation contexts but is not the standard adjuster-progress report being tested. Option D is incorrect because professional adjuster reporting should be factual and evidence-based rather than subjective.
The Series 17-70 examination framework places substantial emphasis on claims adjustment procedures, gathering evidence, loss valuation, coverage analysis, settlement procedures, and professional claim handling.
Accordingly, an Interim Report is the recognized adjuster report among the choices.
84. Frage
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the
Antwort: B
Begründung:
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.
85. Frage
What may the insurer issue if the insured did NOT report a claim on time?
Antwort: A
Begründung:
The correct answer is B - Reservation of rights letter. When an insurer receives a claim presenting a potential coverage problem-such as allegedly late notice-the insurer may investigate while expressly reserving its rights under the policy. A reservation of rights advises the insured that participation in investigation or adjustment should not be interpreted as a waiver of the insurer's potential coverage defenses.
New York cases illustrate the use of reservations specifically involving late-notice issues. For example, an insurer may identify the policy's prompt-notice requirement and preserve the right to rely on untimely notice while obtaining the information necessary to determine its coverage position.
A declaratory judgment, option A, is a court determination, not simply a document the insurer "issues." The insurer may bring a declaratory judgment action when a coverage controversy requires judicial resolution.
Option C is not the appropriate mechanism. Option D is overly broad; late reporting does not automatically authorize the insurer to deny every claim without analysis of the applicable policy and New York law.
A critical New York distinction is that a reservation of rights is not automatically a substitute for a legally required timely disclaimer where Insurance Law requirements apply.
The Series 17-70 outline expressly tests Coverage Problems, Reservation of Rights Letter, Non-Waiver Agreement, and Declaratory Judgment Action.
86. Frage
The final step of the claims process usually involves which of the following?
Antwort: A
Begründung:
The correct answer is A. After coverage has been verified, the loss investigated, evidence gathered, damages measured, and applicable policy provisions applied, the claim normally advances to settlement and payment.
At this stage, the adjuster communicates the valuation and seeks resolution of the amount payable under the policy.
A contemporary claims-process description characterizes the final stage as arranging resolution: once damages and costs are established, the adjuster discusses settlement and arranges payment.
Option B is incorrect because a historical loss run is an underwriting or loss-history document, not a mandatory final step in settling an individual claim. Option C is also incorrect; insurers are subject to regulatory reporting requirements, but an adjuster does not ordinarily submit every final claim payment to the state insurance department as the concluding step of each claim. Option D occurs earlier. Reserves are established and modified throughout investigation as the expected claim cost becomes clearer.
The official Series 17-70 outline specifically identifies Claims Adjustment Procedures, Settlement Procedures, Negotiation, Releases, Advance Payments, Draft Authority, Appraisal, and Alternative Dispute Resolution.
Therefore, A accurately describes the normal final settlement phase.
87. Frage
Hired and Non-owned Auto Liability Endorsement covers which of the following?
Antwort: A
Begründung:
The correct answer is A. The BOP Hired Auto and Non-Owned Auto Liability Endorsement fills an important gap created by the standard auto exclusion. Non-owned auto liability applies to bodily injury or property damage arising from use of a non-owned automobile in the insured's business. A classic example is an employee using the employee's personally owned automobile while conducting business for the employer.
Standard endorsement wording provides that Non-Owned Auto Liability applies to bodily injury or property damage arising from use of any "non-owned auto" in the business. It specifically contemplates automobiles owned by employees when they are being used for business purposes.
Options B and C involve a company-owned van. An owned business automobile should ordinarily be insured under an appropriate commercial auto policy rather than the BOP's hired/non-owned endorsement. Option D likewise involves a company auto and therefore does not satisfy the non-owned or hired-auto concept.
The endorsement is principally liability coverage; it does not automatically pay physical damage to the employee's personal automobile.
The Series 17-70 BOP curriculum specifically tests the Hired Auto and Non-Owned Auto Liability endorsement, liability exclusions, and automobile-related business exposures.
Therefore, A is correct.
88. Frage
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