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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 6% | - Licensing Requirements
|
| Topic 2: Personal Inland Marine | 13% | - Personal Articles Floater
|
| Topic 3: Insurance Basics | 6% | - Insurance Principles
|
| Topic 4: Commercial Package Policy | 38% | - Transportation Coverages
|
| Topic 5: Homeowners Policy | 10% | - Liability Coverages
|
| Topic 6: Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Topic 7: Accident and Health Insurance Basics | 6% | - Types of Coverage
|
| Topic 8: Adjusting Losses | 11% | - Claim Investigation
|
| Topic 9: Medical Reports and Terminology | 4% | - Basic Human Anatomy
|
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NEW QUESTION # 57
Which of the following is the medical abbreviation for getting something done immediately?
Answer: A
Explanation:
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.
NEW QUESTION # 58
A type of insurance that protects an individual who fails to meet the standards of skill and care generally accepted for her occupation is
Answer: B
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 # 59
Homeowner Policies exclude coverage for
Answer: A
Explanation:
The correct answer is A. Standard homeowners property forms contain a broad earth movement exclusion, encompassing events such as earthquake, landslide, mudslide, earth sinking, rising, or shifting, subject to the precise policy wording and any endorsements purchased. Earthquake coverage ordinarily requires a separate endorsement or policy. The Series 17-70 examination outline specifically requires knowledge of Homeowners Policy additional coverages, perils insured against, exclusions, conditions, and selected endorsements, including an earthquake endorsement.
The remaining choices describe protections commonly appearing as Additional Coverages rather than general exclusions. Debris Removal reimburses reasonable expenses for removing debris of covered property following a covered cause of loss. Insurance-regulator guidance confirms debris removal is ordinarily incorporated into homeowners coverage when the underlying damage results from an insured peril.
Likewise, Property Removed protects covered property against direct loss while it is being removed from endangered premises to safeguard it from an insured peril, subject to the form's time limitations. Fire Department Service Charge provides a specified additional amount when an insured incurs a contractual fire- department service charge. These provisions are standard examples of homeowners additional coverages.
Therefore, among the four choices, earth movement is the excluded cause of loss.
NEW QUESTION # 60
An individual is injured while loading a vessel on U.S. navigable waters. Under which Act would they be covered?
Answer: B
Explanation:
The correct answer is D - U.S. Longshore and Harbor Workers' Compensation Act (LHWCA). The LHWCA is a federal workers compensation statute covering qualifying maritime employees who suffer employment-related injuries on the navigable waters of the United States or in adjoining areas customarily used for loading, unloading, repairing, dismantling, or building vessels. The statute expressly includes longshore workers and other persons engaged in longshoring operations.
The employee in this question is injured while loading a vessel, which is a classic longshoring function.
Assuming the applicable status and situs requirements are satisfied, LHWCA protection is therefore the appropriate federal coverage.
The Jones Act principally provides remedies for masters and members of a vessel's crew-seamen rather than ordinary land-based longshore workers. FELA applies primarily to qualifying railroad employees engaged in interstate commerce. "U.S. Coast Guard Act" is not the applicable workers compensation statute among these choices.
The official Series 17-70 content outline specifically lists Federal Employers Liability Act, U.S. Longshore and Harbor Workers' Compensation Act, and the Jones Act as separate federal compensation laws that candidates must distinguish.
Because this employee is performing vessel-loading work on navigable waters, D is correct.
NEW QUESTION # 61
Which of the following factors is NOT used to determine if an injury qualifies for Workers' Compensation coverage?
Answer: A
Explanation:
The correct answer is D - Severity of injury. For an accidental injury to qualify under New York Workers' Compensation Law, the central coverage inquiry is whether the injury arose out of and occurred in the course of employment. The New York Workers' Compensation Board specifically explains that "in the course of employment" concerns whether an injury occurred at a time, place, and under circumstances related to employment.
Accordingly, the time of the accident, its location, and the circumstances surrounding the event are directly relevant to determining whether the necessary employment nexus exists. For example, an injury at the employer's premises while performing assigned work normally presents a much stronger employment connection than an injury sustained during an unrelated personal activity.
The severity of an injury is different. Severity may materially affect medical treatment, disability classification, duration of benefits, permanency, lost wages, and the amount ultimately payable. It does not, however, determine whether the injury initially arose out of and in the course of employment. Even a comparatively minor qualifying workplace injury can fall within Workers Compensation.
The Series 17-70 outline expressly tests employment covered, covered injuries, benefits provided, occupational disease, and New York Workers' Compensation Law.
Therefore, the factor not used to establish the employment relationship of the injury is D.
NEW QUESTION # 62
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