If you purchase our study materials to prepare the NY-Independent-General-Adjuster Exam, your passing rate will be much higher than others. Also, the operation of our study material is smooth and flexible and the system is stable and powerful. You can install the NY-Independent-General-Adjuster exam guide on your computers, mobile phone and other electronic devices. There are no restrictions to the number equipment you install. In short, it depends on your own choice. We sincerely hope that you can enjoy the good service of our products.
| Section | Weight | Objectives |
|---|---|---|
| Adjusting Losses | 11% | - Claim Investigation
|
| Commercial Package Policy | 38% | - Transportation Coverages
|
| Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Accident and Health Insurance Basics | 6% | - Types of Coverage
|
| Insurance Regulation | 6% | - License Maintenance
|
| Dwelling Policy | 6% | - Property Coverages
|
| Insurance Basics | 6% | - Policy Structure
|
| Personal Inland Marine | 13% | - Personal Articles Floater
|
| Medical Reports and Terminology | 4% | - Medical Terminology
|
>> Valid NY-Independent-General-Adjuster Test Preparation <<
You can be absolutely assured about the high quality of our products, because the content of NewYorkIndependent General Adjuster (Series 17-70) actual test has not only been recognized by hundreds of industry experts, but also provides you with high-quality after-sales service. Before purchasing NY-Independent-General-Adjuster prep torrent, you can log in to our website for free download. During your installation, NY-Independent-General-Adjuster exam torrent hired dedicated experts to provide you with free online guidance. During your studies, NY-Independent-General-Adjuster Exam Torrent also provides you with free online services for 24 hours, regardless of where and when you are, as long as an email, we will solve all the problems for you. At the same time, if you fail to pass the exam after you have purchased NY-Independent-General-Adjuster prep torrent, you just need to submit your transcript to our customer service staff and you will receive a full refund.
NEW QUESTION # 105
The liability section of a businessowners policy (BOP) covers which of the following?
Answer: D
NEW QUESTION # 106
Long-term care policies cover expenses for care when the insured CANNOT perform all of the following activities of daily living EXCEPT
Answer: B
Explanation:
The correct answer is B - Shopping. Long-term care insurance commonly uses the insured's inability to perform specified Activities of Daily Living (ADLs) as a benefit eligibility trigger. New York DFS identifies the principal ADLs as dressing, eating, bathing, toileting, continence, and transferring. Most long-term care policies require inability to perform a specified number of these activities without substantial assistance before benefits become payable, subject to the contract's precise benefit trigger.
Bathing, option A, is a recognized ADL. Toileting, option C, is also a recognized ADL. Transferring, option D, refers generally to the ability to move into or out of a bed, chair, or similar position and is another standard ADL.
Shopping, by contrast, is generally classified as an Instrumental Activity of Daily Living (IADL). IADLs involve more complex activities necessary for independent community living, such as shopping, housekeeping, transportation, managing finances, meal preparation, and telephone use. New York health guidance similarly distinguishes shopping as an instrumental activity rather than a basic ADL.
Therefore, shopping is the activity that does not belong to the standard basic ADL group.
Series 17-70 reference topics: Other Coverages - Long-Term Care Insurance, Benefit Triggers, Activities of Daily Living, and Eligibility for Benefits.
NEW QUESTION # 107
Accident-only policies commonly include benefits due to losses related to
Answer: B
Explanation:
The correct answer is C. Accident-only insurance is a limited form of accident and health coverage in which benefits are triggered by an accident or specified category of accidental event, rather than by sickness generally. The NAIC defines an accident as an unexpected event or circumstance without deliberate intent and describes accident-only insurance as coverage for death, dismemberment, disability, hospital treatment, or medical care caused or necessitated by an accident or specified kinds of accidents.
Option A is incorrect because illness is not converted into an accident simply because its onset is unexpected.
Coverage for sickness belongs to health or medical insurance provisions unless specifically included by another policy form. Option B, congenital diseases, similarly concerns medical conditions rather than accidental occurrences. Option D is too broad because the mere absence of intentional conduct does not automatically satisfy the policy's definition of an accidental injury or covered accident. There must be the required causal connection to an insured accidental event.
The Series 17-70 content outline expressly tests Accidental Injury, classes of accident and health coverage, limited policies, and specifically Accident-Only coverage.
Accordingly, a fortuitous, unexpected accidental event is the operative trigger, making C the correct answer.
NEW QUESTION # 108
Which of the following does NOT constitute an element of acceptance of a settlement offer to a claimant?
Answer: D
Explanation:
The correct answer is C. A valid acceptance of an ordinary settlement offer must generally constitute unconditional assent to the offer's terms. Under the traditional common-law mirror-image principle, an alleged acceptance that changes, qualifies, or makes acceptance contingent upon an additional term is ordinarily treated as a counteroffer rather than acceptance of the original offer. Cornell's Legal Information Institute describes the mirror-image rule as requiring unconditional assent without modifications.
Therefore, there is no rule allowing the accepting party to add "one contingent stipulation" while still necessarily creating an acceptance. Even one material condition may prevent formation of the settlement on the original terms.
Option A is an element of proper acceptance. Option B is also correct because acceptance must ordinarily be manifested or communicated through an appropriate word, act, or other authorized method. Option D reflects the principle that the offeree-the person to whom the offer was made-is the party possessing the power to accept it. Cornell notes that an offer grants the offeree the power to accept and create a binding agreement.
Settlement agreements are contracts, so ordinary principles of offer, acceptance, consideration, authority, and mutual assent apply.
Accordingly, C is the statement that does not constitute a proper element of acceptance.
NEW QUESTION # 109
A homeowners policy debris removal clause covers
Answer: D
Explanation:
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.
NEW QUESTION # 110
......
Our Company is always striving to develop not only our NY-Independent-General-Adjuster latest practice materials, but also our service because we know they are the aces in the hole to prolong our career. Reliable service makes it easier to get oriented to the NY-Independent-General-Adjuster exam. The combination of NY-Independent-General-Adjuster Exam Guide and sweet service is a winning combination for our company, so you can totally believe that we are sincerely hope you can pass the NY-Independent-General-Adjuster exam, and we will always provide you help and solutions with pleasure, please contact us through email then.
Exam NY-Independent-General-Adjuster Lab Questions: https://www.pass4surecert.com/Insurance-Licensing/NY-Independent-General-Adjuster-practice-exam-dumps.html