NY-Independent-General-Adjuster日本語版試験勉強法 & NY-Independent-General-Adjuster模擬対策問題

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

Section	Weight	Objectives
Topic 1: Insurance Regulation	6%	- Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting - Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders
Topic 2: Homeowners Policy	10%	- Liability Coverages 1. Medical Payments to Others 2. Personal Liability - Perils, Exclusions and Conditions 1. Perils Insured Against 2. Exclusions and Conditions - Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - 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
Topic 3: Dwelling Policy	6%	- Exclusions, Conditions and Endorsements 1. New York and Selected Endorsements 2. General Exclusions and Conditions - Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures - Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils
Topic 4: Adjusting Losses	11%	- Claim Settlement 1. Negotiation and Releases 2. Subrogation, Appraisal and Arbitration - Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Property and Liability Losses 1. Coverage Verification and Loss Evaluation 2. Estimates, Depreciation and Salvage - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements
Topic 5: Insurance Basics	6%	- Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics - Policy Structure 1. Subrogation, Salvage and Loss Settlement 2. Limits, Deductibles and Other Insurance 3. Declarations, Conditions and Exclusions - Insurance Principles 1. Hazards, Negligence and Liability 2. Insurable Interest and Indemnity 3. Causes and Valuation of Loss
Topic 6: Medical Reports and Terminology	4%	- Injuries, Diseases and Medical Tests 1. Diagnostic Tests 2. Common Injuries and Diseases - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations - Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems
Topic 7: Commercial Package Policy	38%	- Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Transportation Coverages 1. Common Carrier Legal Liability 2. Transit Coverage 3. Motor Truck Cargo - Commercial Inland Marine 1. Jewelers Block, Signs and Electronic Data Processing 2. Accounts Receivable and Valuable Papers 3. Marine Definition and Conditions 4. Contractors Equipment and Installation Floaters
Topic 8: Accident and Health Insurance Basics	6%	- Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness - Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss - Limited Policies 1. Accident-Only and Specified Disease 2. Hospital, Dental and Vision Coverage
Topic 9: 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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信頼的NY-Independent-General-Adjuster｜高品質なNY-Independent-General-Adjuster日本語版試験勉強法試験｜試験の準備方法NewYorkIndependent General Adjuster (Series 17-70)模擬対策問題

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) 認定 NY-Independent-General-Adjuster 試験問題 (Q52-Q57):

質問 # 52
Which of the following is a disruption of a joint in which the bone ends are no longer in contact?

A. Sprain
B. Fracture
C. Strain
D. Dislocation

正解：D

解説：
The correct answer is B - Dislocation. A dislocation is a joint injury in which the normal relationship between the bones forming the joint is disrupted and the bone ends are forced out of their normal position.
MedlinePlus describes a dislocation as disruption of the normal position of the ends of two or more bones where they meet at a joint.
A fracture, option A, is a break in a bone and does not necessarily involve displacement of a joint. A sprain, option C, involves stretching or tearing of ligaments that stabilize a joint, while the articulating bones may remain in their normal relationship. A strain, option D, principally involves injury to a muscle or tendon.
This terminology matters to an independent adjuster because accident, automobile, liability, disability, and workers compensation claims frequently require review of medical reports. The nature of an injury affects causation analysis, treatment requirements, expected recovery, disability duration, and valuation of damages.
The Series 17-70 curriculum includes interpretation of medical reports, basic anatomy, medical terminology, and common injuries as part of claims adjustment knowledge. A joint whose opposing bone surfaces are no longer normally positioned is therefore describing a dislocation, not merely a sprain or fracture.

質問 # 53
Which of the following is covered by the Causes of Loss - Special Form under commercial property?

A. Windstorm.
B. Flood.
C. Smog.
D. Mudslide.

正解：A

解説：
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form is written on an open-perils basis. Instead of providing coverage only for specifically named perils, it defines covered causes of loss broadly as risks of direct physical loss unless the cause is expressly excluded or limited.
Windstorm is not generally excluded by the standard Special Form and is therefore ordinarily covered. By contrast, the form expressly excludes smog and includes broad water exclusions encompassing flood, surface water, waves, tides, and mudslide or mudflow. The actual ISO-derived Special Form wording identifies those exclusions directly. New York case law applying the Special Form likewise recognizes flood and mudslide
/mudflow within the standard water exclusion.
This illustrates the key distinction between Basic, Broad, and Special Causes of Loss forms. With a named- peril form, the insured generally begins by demonstrating that a listed peril caused the damage. With Special Form coverage, direct physical loss is presumptively within the broad coverage grant unless an exclusion or limitation applies.
An adjuster must therefore examine the causal mechanism and then determine whether a Special Form exclusion applies.
Among the four choices, Windstorm is the covered cause of loss.
Therefore, D is correct.

質問 # 54
A homeowners policy debris removal clause covers

A. all fallen trees on the insured property.
B. fallen trees that cause up to $1,000 in property damage.
C. trees that damage a covered building from a covered peril.
D. any fallen tree resulting from a natural disaster.

正解：C

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 # 55
Which of the following exposures would be necessary to purchase a garage coverage form?

A. Franchise auto dealer.
B. Moving company.
C. Self-serve carwash.
D. Auto parts store.

正解：A

解説：
The correct examination answer is D - Franchise auto dealer. The traditional ISO Garage Coverage Form was developed specifically for automobile dealerships and related garage operations because such businesses combine exposures arising from owned autos, customers' autos, premises operations, products/completed operations, and automobile liability.
Under the legacy Garage Coverage Form used in the Series 17-70 commercial-auto syllabus, franchised and nonfranchised automobile dealerships are classic eligible garage operations. The Series 17-70 outline expressly identifies the Garage Coverage Form, Garagekeepers Coverage, liability coverage, physical damage, exclusions, conditions, and definitions as tested commercial-auto subjects.
A moving company is ordinarily handled through commercial auto/motor-carrier arrangements. An auto-parts store does not automatically create the combined dealership exposure contemplated by a garage form. A purely self-service carwash also does not present the same dealer exposure identified by the question.
There is an edition issue worth understanding: ISO replaced the dealer portion of the older CA 00 05 Garage Coverage Form with the modern CA 00 25 Auto Dealers Coverage Form beginning with its 2013 commercial- auto revision. Current Auto Dealers eligibility expressly includes franchised automobile dealerships. The Series 17-70 outline, however, explicitly tests the 2010 commercial-auto Garage form.
Therefore, for this examination, D is correct.

質問 # 56
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?

A. Bodily injury.
B. Personal injury.
C. Health injury.
D. Property damage.

正解：A

解説：
The correct answer is A - Bodily injury. Commercial General Liability terminology defines "bodily injury" broadly to include bodily injury, sickness, or disease sustained by a person, including death resulting from any of these. Food poisoning from improperly prepared chicken salad constitutes sickness or disease affecting a person's body; because the customer dies as a result, the resulting death remains within the bodily-injury definition.
This scenario may also implicate the products-completed operations hazard, because the allegedly defective or contaminated food caused injury after being provided to the customer. Nevertheless, the question asks for the type of loss, not which CGL hazard classification applies. The loss is therefore bodily injury.
Property damage refers to physical injury to tangible property or qualifying loss of use and does not describe injury or death to a human being. "Health injury" is not the standardized CGL category used for this coverage.
Personal and advertising injury concerns specifically defined offenses such as false arrest, malicious prosecution, wrongful eviction, certain privacy violations, and specified publication-related offenses-not physical illness from contaminated food.
The Series 17-70 outline expressly covers CGL bodily injury and property damage liability, premises and operations, and products-completed operations.

質問 # 57
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