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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | - Fingerprinting - Temporary adjuster permits - Licensing requirements - License renewal - License maintenance and duration - Licensing process - Qualifications - Bond requirements | |
| Topic 2: Claims Adjustment Procedures | - Arbitration - Coverage problems - Appraisal - Negotiation - Releases - Reservation of rights letters - Draft authority - Execution of releases - Non-waiver agreements - Competitive estimates - Mediation - Settlement procedures - Claims adjustment procedures - Advance payments - Alternative dispute resolution - Subrogation procedures | |
| Topic 3: Commercial Property | - Businessowners Policy - Commercial Package Policy - Commercial property coverage - Commercial General Liability - Commercial property forms and endorsements | |
| Topic 4: Dwelling and Homeowners Insurance | - Standard Fire Policy - Dwelling policies - Personal liability supplement - Homeowners liability coverage - Homeowners property coverage - New York specific endorsements - Personal umbrella policies | |
| Topic 5: Insurance Principles and Concepts | - Waiver and estoppel - Representations and misrepresentations - Concealment - Moral hazards - Morale hazards - Fraud - Physical hazards - Insurance principles and concepts - Warranties - Insurable interest - Insurance contracts - Hazards | |
| Topic 6: Commercial Package Policy | 38% | - Monoline versus package policies - Common policy declarations - Common policy conditions - Components of a commercial policy - First named insured |
| Topic 7: New York Unfair Claim Settlement and Prohibited Practices | - Terrorism Risk Insurance Act - New York claim settlement laws and regulations - Insurance fraud and false statements - Consumer privacy requirements - New York cybersecurity regulation - Unfair claim settlement practices | |
| Topic 8: Other Property and Liability Coverages | - Aviation insurance - Flood insurance - Commercial automobile - Ocean marine - Inland marine - Crime insurance - Excess liability - Workers compensation - Surety and fidelity bonds - Personal automobile |
>> NY-Independent-General-Adjuster実際試験 <<
NY-Independent-General-Adjuster学習教材の最高のブランドは、期待を超えるものだと信じています。彼らInsurance Licensingは仕事をするだけでなく、より深くなり、私たちの生活の布になります。したがって、有名なブランドとしての当社は、NY-Independent-General-Adjuster実践ガイドの提供に非常に成功しているにもかかわらず、現状に満足することはなく、常にNY-Independent-General-Adjuster試験トレントの内容を常に更新していく所存です。 NY-Independent-General-Adjuster試験に関する最新情報を保持します。 NY-Independent-General-Adjuster試験問題を使用すると、NY-Independent-General-Adjuster試験に合格して夢のような認定を取得できます。
質問 # 34
The self-insured portion of an insurance claim is called a
正解：D
解説：
The correct answer is D. A deductible is the portion of an otherwise covered loss that the insured agrees to retain before the insurer becomes responsible for the remaining covered amount. In practical risk-management terms, it represents a form of self-insurance or risk retention because the policyholder absorbs losses up to the deductible amount.
New York Department of Financial Services describes a deductible as the amount the insured agrees to be responsible for when a covered loss occurs. DFS also explains that a higher deductible generally means the insured retains a larger portion of the risk and may receive a lower premium in return.
For example, if covered property damage equals $10,000 and the applicable deductible is $1,000, the insured ordinarily bears $1,000 and the insurer pays $9,000, assuming no other policy limitation applies.
Coinsurance is different; it is an insurance-to-value or cost-sharing mechanism and is not simply the initial dollar amount retained by the insured. "Principal" describes a party or monetary concept in other contractual contexts, while "liability" means legal responsibility.
The Series 17-70 curriculum includes deductibles, loss valuation, policy conditions, and claim settlement concepts.
Therefore, D is correct.
質問 # 35
Hired and Non-owned Auto Liability Endorsement covers which of the following?
正解：A
解説：
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.
質問 # 36
A Public Employee Bond would be REQUIRED for which town employee?
正解：C
解説：
The correct answer is C - Treasurer. A Public Official or Public Employee Bond guarantees the faithful and honest performance of duties by a public official or employee, particularly where the position involves custody, control, collection, or disbursement of public funds.
Treasurers are among the classic positions requiring public official bonds because they exercise direct fiduciary responsibility over governmental money. Surety industry guidance specifically identifies treasurers, tax collectors, clerks, and similar public officials as common positions for which statutory public-official bonds are required. The Surety Association's classification material likewise specifically identifies treasurers and tax collectors as public officials with bonding exposures.
A truck driver, lifeguard, or librarian may certainly be a municipal employee, but those occupations do not inherently involve the fiduciary custody and accounting of public funds that makes a Treasurer the clear examination answer. A particular jurisdiction could impose bonding requirements on additional positions, but that does not alter the general surety principle tested here.
Public official bonds protect the governmental entity and ultimately the public rather than functioning as conventional liability insurance for the official.
The Series 17-70 surety material requires knowledge of official bonds, public employee bonds, fidelity obligations, principals, obligees, and sureties.
Therefore, C is correct.
質問 # 37
A homeowners policy debris removal clause covers
正解：D
解説：
The correct answer is D. Homeowners Debris Removal coverage does not pay merely because a tree has fallen somewhere on the residence premises. The coverage generally requires that the loss satisfy the specific policy conditions governing fallen-tree removal.
Under standard homeowners principles, reasonable tree-removal expenses can be covered when a tree is felled by an applicable insured peril and damages a covered structure. Certain forms also provide coverage where a qualifying tree blocks a driveway or specified accessibility route. A state insurance regulator's homeowners guidance similarly explains that debris removal includes qualifying trees felled by a covered peril when they damage a covered structure or meet specified access-blocking requirements.
Option A is much too broad because a tree falling harmlessly in the yard does not automatically generate insurance coverage. Option B is likewise incorrect because "natural disaster" is not itself a policy coverage trigger; the cause must fall within the applicable insured-peril wording. Option C confuses the tree-removal sublimit with the requirement that the tree cause a particular dollar amount of property damage. The policy does not require exactly $1,000 of structural damage.
The Series 17-70 outline specifically tests Homeowners Additional Coverages, Perils Insured Against, Exclusions, and Conditions.
Therefore, D is the best answer.
質問 # 38
Which of the following is the medical abbreviation for getting something done immediately?
正解：C
解説：
The correct answer is B - Stat. The medical abbreviation "stat" derives from the Latin statim, meaning immediately. In medical documentation and treatment instructions, a stat order indicates that the specified procedure, medication, diagnostic test, or other clinical action should be performed without ordinary scheduling delay because prompt action is required.
Option A, A and P, does not mean immediately. Depending on context, similar abbreviations may refer to anatomy and physiology or another clinical designation. Option C, Rx, commonly refers to a prescription, prescribed treatment, or therapy and does not establish urgency. Option D, DNR, means Do Not Resuscitate and identifies an instruction concerning cardiopulmonary resuscitation rather than the timing of treatment.
Medical terminology is relevant to accident and health claim adjustment because adjusters must accurately interpret medical records, physician reports, treatment documentation, hospital bills, diagnostic information, and indications of emergency care. A misunderstanding of basic medical terminology can materially affect evaluation of causation, necessity of treatment, disability periods, and damages.
Accordingly, where a medical record directs that an action be performed immediately, "stat" is the recognized term.
Series 17-70 reference topics: Other Coverages - Accident and Health Claims, Medical Terminology, Medical Documentation, and Evaluation of Treatment Records.
質問 # 39
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