NY-Independent-General-Adjuster Exam Introduction | Newest NewYorkIndependent General Adjuster (Series 17-70) 100% Free High Passing Score

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

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

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Effective Insurance Licensing NY-Independent-General-Adjuster: NewYorkIndependent General Adjuster (Series 17-70) Exam Introduction - Hot TestPassed NY-Independent-General-Adjuster High Passing Score

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q56-Q61):

NEW QUESTION # 56
Which of the following is a type of adjuster report?

A. Appraisal Report.
B. Subjective Report.
C. Interim Report.
D. Loss Report.

Answer: C

Explanation:
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.

NEW QUESTION # 57
Hired and Non-owned Auto Liability Endorsement covers which of the following?

A. Employee using a company van off duty and being involved in an auto accident.
B. Bodily Injury and Property Damage caused by an employee using his auto in the employer's business.
C. A customer borrows a company auto and has an accident.
D. Employee using company van on duty and being involved in an auto accident.

Answer: B

Explanation:
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.

NEW QUESTION # 58
A travel accident policy and a dread-disease contract are examples of

A. limited health insurance policies.
B. personal health policies.
C. group health policies.
D. family health policies.

Answer: A

Explanation:
The correct answer is D - limited health insurance policies. Limited health insurance is designed to provide benefits for a narrowly defined event, disease, service, or category of loss rather than the broad spectrum of expenses normally addressed by comprehensive medical coverage.
A travel accident policy provides narrowly focused accident protection associated with travel or specified transportation exposures. Similarly, a specified or dread-disease policy pays benefits only when the insured experiences a specifically designated condition, such as cancer or another condition listed in the contract.
Because their benefit triggers and covered losses are intentionally restricted, both fit the limited-policy classification.
The Series 17-70 examination outline makes this distinction directly. It includes Limited versus comprehensive coverage, "Limited policies," "limited benefits and amounts," and specifically identifies Accident-only and Specified (dread) disease policies among the tested forms.
Options A and B describe methods of organizing insured persons rather than the limited nature of the coverage. Option C, "personal health policies," is too broad and does not identify the essential characteristic being tested.
An adjuster must recognize that a limited policy does not provide general medical insurance merely because an insured experiences medical expenses. Benefits are payable only when the loss falls within the policy's narrowly stated coverage trigger.
Therefore, D is correct.

NEW QUESTION # 59
A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is

A. workers' compensation.
B. fiduciary liability.
C. personal liability.
D. professional liability.

Answer: D

Explanation:
The correct answer is A - professional liability. Professional liability insurance, frequently called Errors and Omissions (E & O) coverage, addresses liability resulting from negligence, errors, omissions, or failure to provide the level of skill or professional service reasonably expected within a particular profession.
The Insurance Information Institute explains that professionals are expected to possess specialized knowledge or training and perform according to the standards of conduct applicable to their profession. When a professional fails to exercise the required degree of skill and a client suffers harm, professional liability insurance is designed to address that exposure, subject to policy terms.
Workers Compensation protects employees for qualifying employment-related injury or occupational disease; it does not insure a professional against claims alleging negligent professional services. Fiduciary liability is narrower and addresses breaches of fiduciary responsibility, particularly in connection with employee benefit plans or entrusted assets. Personal liability generally addresses nonbusiness personal activities rather than professional malpractice.
Professional liability forms are often tailored to the occupation involved. For doctors, the coverage is commonly called medical malpractice; for lawyers, accountants, consultants, architects, insurance professionals, and similar occupations, professional liability or E & O terminology is common.
The Series 17-70 curriculum requires the adjuster to distinguish specialized liability exposures as well as negligence and standards of legal responsibility.
Therefore, A is correct.

NEW QUESTION # 60
Which of the following is an example of an unfair claim settlement practice?

A. Adopting and implementing standards to settle claims in a timely manner.
B. Disclosing the settlement terms and provisions of the contract of insurance.
C. Delaying the settlement of claims submitted in which liability has become clear.
D. Replacing a policy when it is in the best interest of the insured.

Answer: C

Explanation:
The correct answer is A. New York Insurance Law §2601 identifies specified conduct as unfair claim settlement practices when performed without just cause with sufficient frequency to constitute a general business practice. One expressly identified practice is failing to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. Deliberately or unjustifiably delaying such a settlement therefore falls directly within the regulatory concept tested by this question.
Option C describes the opposite behavior. Insurers are expected to adopt and implement reasonable standards for prompt claim investigation and settlement. Failure to establish reasonable standards may itself support an unfair-practices finding.
Option D is likewise inconsistent with an unfair-practice answer because accurate disclosure of relevant coverage or settlement provisions promotes informed claim handling. Misrepresentation or improper withholding of material policy information, rather than appropriate disclosure, raises regulatory concerns.
Option B does not describe an unfair claim settlement practice on the facts given.
The official New York Series 17-70 blueprint specifically includes Claim Settlement Laws and Regulations- Regulation 64, Part 216, and Unfair Claim Practices-Insurance Law §2601 under Insurance Regulation.
Accordingly, the conduct in A is the regulatory violation contemplated by the question.

NEW QUESTION # 61
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