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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Property & Casualty Coverages | 25% | - General Liability and Commercial General Liability - Dwelling and Homeowners policies - Automobile coverages — Personal and Commercial - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - Commercial Property and Businessowners policies |
| Topic 2: Claims Investigation & Adjusting Procedures | 20% | - Loss valuation, damage assessment, and estimating - Evidence gathering, coverage analysis, and policy interpretation - Settlement negotiation, reservation of rights, and denial procedures - Claim intake, notice of loss, and initial investigation |
| Topic 3: Ethics & Professional Responsibility | 15% | - Fiduciary duty, conflict of interest, and confidentiality - Fair claims handling standards and professional conduct - Fraud detection and reporting obligations |
| Topic 4: New York Insurance Law & Regulations | 25% | - State-specific policy provisions and mandatory endorsements - Licensing requirements, eligibility, and examination rules - Unfair Claims Settlement Practices Act / Regulation 64 - NY Insurance Law Articles and DFS regulations |
| Topic 5: Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Risk management and insurable interest - Insurance contract elements and legal structure |
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NEW QUESTION # 52
One of the MAIN purposes of the automobile mandatory inspection requirement is to
Answer: B
Explanation:
The correct answer is D. New York's mandatory automobile physical-damage inspection requirements are fundamentally an anti-fraud and loss-verification mechanism. By inspecting and documenting the automobile when collision or comprehensive coverage is written, the insurer establishes the vehicle's pre-insurance physical condition. If a later claim is submitted, the insurer can compare claimed damage with the condition documented before or at the inception of physical-damage coverage.
New York DFS explains that when physical-damage coverage applies, the insurer inspects and photographs the automobile for comparison purposes if future damages are claimed. That directly supports D: the process helps prevent payment for pre-existing damage incorrectly presented as having occurred during the policy period.
The inspection is not primarily intended to surcharge vehicles because they are cosmetically imperfect, making A incorrect. It is not a consumer notification program concerning scratches or dents, eliminating B.
Nor does it guarantee that covered vehicles are in "top condition," so C is incorrect.
The Series 17-70 examination outline expressly identifies mandatory inspection requirements for private passenger automobiles under Regulation 79, Parts 67.0-67.11 as an Auto Insurance examination subject.
NEW QUESTION # 53
What is NOT covered in the Farm Liability Coverage Form?
Answer: D
Explanation:
The correct answer is C - Injury to farm employees. The standard Farm Liability Coverage Form provides several principal liability protections. These include Coverage H - Bodily Injury and Property Damage Liability, Coverage I - Personal and Advertising Injury Liability, and Coverage J - Medical Payments.
These correspond directly to options D, B, and A.
In contrast, bodily injury sustained by an employee as a result of employment by the insured is generally excluded from the standard liability coverage. Standard Farm Liability wording excludes most bodily injury to an employee arising out of and in the course of employment, reflecting the principle that occupational injuries should ordinarily be handled through Workers Compensation or specialized farm-employer coverage rather than general farm liability.
Where broader protection for farm employees is needed, specialized endorsements or separate statutory coverage may modify the exposure. An adjuster must therefore distinguish third-party farm liability from an employer's obligations to employees.
The Series 17-70 outline specifically includes farm liability concepts and requires candidates to distinguish covered liability hazards from employee-related exclusions.
Therefore, C is correct.
NEW QUESTION # 54
Hired and Non-owned Auto Liability Endorsement covers which of the following?
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 # 55
All of the following would be covered by Other than Collision (Comprehensive) coverage EXCEPT
Answer: B
Explanation:
The correct answer is B - auto body damage caused by a roll-over. In automobile physical damage insurance, Other Than Collision, commonly called Comprehensive coverage, protects against specified noncollision causes of physical loss. New York DFS specifically identifies theft, fire, flood, windstorm, glass breakage, vandalism, animal impact, and falling or flying objects as examples of comprehensive losses.
Accordingly, an electrical fire causing interior damage falls within the fire exposure contemplated by Comprehensive coverage. Flood damage to the vehicle is also a Comprehensive exposure, and hailstorm damage falls within windstorm/hail-type noncollision loss.
A roll-over or overturn, however, is classified as a collision loss. Collision coverage traditionally includes physical damage resulting from the covered automobile's impact with another vehicle or object and from upset or overturn. Thus, an automobile that rolls over during operation would require Collision coverage rather than Other Than Collision coverage.
This distinction is important because both coverages are optional physical-damage protections in most circumstances and may carry different deductibles. The adjuster must determine the actual mechanism of damage before selecting the applicable coverage.
The Series 17-70 Auto Insurance curriculum specifically tests Collision versus Other Than Collision physical damage coverage, exclusions, limits, and loss settlement.
Therefore, B is the exception.
NEW QUESTION # 56
Which of the following is covered by the Causes of Loss - Special Form under commercial property?
Answer: C
Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form operates primarily on an open-perils basis. Rather than limiting coverage only to individually listed causes of loss, it generally covers risks of direct physical loss unless the cause is specifically excluded or limited by the form.
The Special Form specifically excludes smog. It also contains a Water exclusion that includes flood, surface water, waves, overflow of bodies of water, mudslide, and mudflow. Consequently, options A, B, and C describe causes specifically removed from the broad Special Form coverage grant.
Windstorm, by contrast, is not generally excluded by the standard Causes of Loss - Special Form. Direct physical damage caused by wind is therefore ordinarily covered unless another exclusion, limitation, endorsement, or property-specific provision applies.
This illustrates an essential adjusting distinction. Under a named-perils form, the insured must establish that the damage resulted from one of the listed covered causes. Under an open-perils Special Form, analysis begins with broad direct physical loss coverage and then determines whether an exclusion or limitation removes the loss.
The Series 17-70 outline specifically covers Commercial Property causes-of-loss forms, exclusions, and open- versus-named-peril concepts.
Therefore, D is correct.
NEW QUESTION # 57
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