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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Basics | 6% | - Insurance Principles
|
| Topic 2: Personal Inland Marine | 13% | - Personal Effects Floater
|
| Topic 3: Medical Reports and Terminology | 4% | - Basic Human Anatomy
|
| Topic 4: Adjusting Losses | 11% | - Claim Settlement
|
| Topic 5: Dwelling Policy | 6% | - Coverage Forms and Perils
|
| Topic 6: Insurance Regulation | 6% | - Disciplinary Actions
|
| Topic 7: Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Topic 8: Commercial Package Policy | 38% | - Commercial Policy Components
|
| Topic 9: Accident and Health Insurance Basics | 6% | - Accident and Health Claims
|
>> NY-Independent-General-Adjuster更新版 <<
今日、社会での競争はより激しく、専門知識がなければ競争で有利な地位を占めることができず、除かれることもあります。テストNY-Independent-General-Adjuster認定に合格すると、一部の分野で有能になり、労働市場で競争上の優位性を獲得できます。 NY-Independent-General-Adjuster学習教材を購入すると、NY-Independent-General-Adjusterテストにスムーズに合格します。当社Insurance Licensingの製品は多くの利点を高め、テストの準備をするのに最適です。 NY-Independent-General-Adjuster学習準備は、一流の専門家チームによってコンパイルされ、実際の試験と密接にリンクしています。
質問 # 40
The self-insured portion of an insurance claim is called a
正解：B
解説：
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.
質問 # 41
An adjuster cannot contact the insured or claimant once they retain the services of
正解：C
解説：
The correct answer is A - an attorney except with permission. Once an insured or claimant is represented by counsel regarding a particular claim or dispute, communications concerning that represented matter must respect the attorney-client relationship. New York's Rule of Professional Conduct 4.2 prohibits an attorney from communicating, or causing another person to communicate, about the subject of the representation with a person known to be represented by another lawyer unless prior consent is obtained from that lawyer or the communication is otherwise authorized by law.
For adjusters, this means claim communications involving a represented claimant should ordinarily be routed through the claimant's attorney when the representation encompasses the matter being adjusted. The purpose is to prevent interference with legal representation, inappropriate direct negotiation, or uncounseled disclosure concerning the claim.
Retention of an appraiser, physician, or private investigator does not automatically establish the same restriction. Those professionals may participate in valuation, treatment, or investigation, but they do not substitute for legal counsel.
The Series 17-70 outline expressly tests the role and responsibilities of the adjuster and the adjuster's relationship to the legal profession, making recognition of represented parties an important claims-handling principle.
Therefore, A is correct.
質問 # 42
An insured that is covered on a business automobile policy would like to get physical damage coverage for a forklift used at their facility. Which endorsement can be used to insure this covered automobile?
正解：B
解説：
The correct answer is B - Mobile equipment endorsement. A forklift is ordinarily classified as mobile equipment, rather than an "auto," because it is principally designed for use off public roads or for operations at a premises. Consequently, it does not automatically fall within the standard Business Auto Coverage Form's normal treatment of covered autos.
A Mobile Equipment endorsement permits specifically described mobile equipment to be treated as a covered auto for the coverages scheduled in the endorsement. Depending on the form and selections, this can extend Physical Damage coverage to the equipment. Forklifts are specifically recognized as classic examples of mobile equipment.
The Miscellaneous Type Vehicle endorsement is primarily associated with personal auto treatment of specialized vehicles and is not the appropriate commercial solution here. The Truckers Coverage Form addresses motor-carrier/trucking exposures. The Drive Other Car endorsement extends specified commercial- auto protections to certain individuals when they use nonowned autos and has nothing to do with insuring a business-owned forklift.
The Series 17-70 outline directly tests Commercial Auto, Business Auto, Physical Damage Coverage, Definitions, and the Mobile Equipment endorsement. The New York examination outline identifies mobile equipment specifically among the selected commercial-auto endorsements.
Thus, B is the technically correct selection.
質問 # 43
The primary purpose of the Workers Compensation Special Disability Fund is to
正解：D
解説：
The correct answer is A - encourage employers to hire workers with pre-existing disabilities. New York's Special Disability Fund, historically referred to as the Second Injury Fund, was designed to reduce the financial disincentive associated with employing workers who already had permanent physical impairments.
The New York Workers' Compensation Board explains that the fund assumed, in qualifying cases, part of the permanent disability liability resulting when a worker with a pre-existing disability sustained a subsequent employment injury. The Board expressly states that one purpose was to encourage employers to hire people with disabilities by protecting employers against disproportionate liability from a subsequent workplace injury.
Therefore, option A identifies the underlying policy objective. The fund was not created simply because an employee experienced two injuries, eliminating B. It does not provide ordinary benefits for injuries unrelated to employment, so C is incorrect. Option D inaccurately describes the fund as directly compensating employees for "second partial disability claims"; its principal mechanism was reimbursement or allocation of liability involving employers and insurers under qualifying statutory circumstances.
The Fund is now closed to new claims, although historical Section 15(8) matters continue to be administered.
The Series 17-70 outline nevertheless specifically tests the Special Disability Fund under WCL §15(8).
Therefore, A is correct.
質問 # 44
An Individual Fidelity Bond protects a businessowner from economic losses caused by
正解：D
解説：
The correct answer is A - the dishonest actions of a specific employee. Fidelity insurance protects an employer against direct financial loss resulting from dishonest acts committed by employees. The defining feature of an Individual Fidelity Bond is that it applies to a specifically identified or named individual rather than to all employees or an entire class of positions.
Federal surety definitions describe an individual fidelity bond as protection against dishonesty with respect to a named individual. By contrast, a blanket fidelity bond covers all qualifying employees, while a blanket position or scheduled-position bond can apply according to the positions occupied rather than solely to a single named person.
Option B therefore more closely resembles a blanket or collective arrangement. Option C suggests multiple employees scheduled under one bond and therefore describes a scheduled-name concept rather than an individual fidelity bond. Option D concerns misconduct by an external supplier; fidelity coverage is principally designed around dishonest acts of covered employees, not ordinary breach of contract by third- party vendors.
Typical covered dishonest acts can include theft, embezzlement, fraudulent conversion, or other dishonest conduct satisfying the policy's definition and intent requirements.
The Series 17-70 surety/crime curriculum requires candidates to distinguish individual, schedule, position, and blanket fidelity bonds.
Therefore, A is correct.
質問 # 45
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