The Insurance Licensing NY-Independent-General-Adjuster certification exam is one of the hottest and career-oriented certifications in the market. This NewYorkIndependent General Adjuster (Series 17-70) (NY-Independent-General-Adjuster) certification exam has been inspiring beginners and experienced professionals since its beginning. Over this long time period, countless NewYorkIndependent General Adjuster (Series 17-70) (NY-Independent-General-Adjuster) exam candidates have passed their NewYorkIndependent General Adjuster (Series 17-70) (NY-Independent-General-Adjuster) certification exam, and now they are offering their services to the top world brands.
| Section | Weight | Objectives |
|---|---|---|
| Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Risk management and insurable interest - Insurance contract elements and legal structure |
| Claims Investigation & Adjusting Procedures | 20% | - Loss valuation, damage assessment, and estimating - Claim intake, notice of loss, and initial investigation - Settlement negotiation, reservation of rights, and denial procedures - Evidence gathering, coverage analysis, and policy interpretation |
| Property & Casualty Coverages | 25% | - Commercial Property and Businessowners policies - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - Dwelling and Homeowners policies - General Liability and Commercial General Liability - Automobile coverages — Personal and Commercial |
| 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 |
| Ethics & Professional Responsibility | 15% | - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct - Fiduciary duty, conflict of interest, and confidentiality |
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NEW QUESTION # 32
All of the following would be covered by Other than Collision (Comprehensive) coverage EXCEPT
Answer: A
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 # 33
Which of the following is a disruption of a joint in which the bone ends are no longer in contact?
Answer: D
Explanation:
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.
NEW QUESTION # 34
Regarding insurance coverage for employment practices exposures, which one of the following statements is TRUE?
Answer: B
Explanation:
The correct answer is C. Employment Practices Liability Insurance (EPLI) is specifically designed to address claims arising from wrongful employment-related conduct. Core exposures include wrongful termination, workplace discrimination, sexual harassment, retaliation, and other specified employment practices. Current EPLI coverage descriptions expressly identify discrimination, harassment, and wrongful termination as principal covered allegations.
Option A is incorrect because EPLI may be written as a standalone policy or incorporated within broader management-liability programs. It is not restricted to being an endorsement to Directors and Officers insurance.
Option B is incorrect because the standard Commercial General Liability policy is not basic professional or employment-practices liability insurance. In fact, many employment-related practices exposures are specifically excluded or inadequately addressed under conventional CGL coverage.
Option D concerns occupational bodily injury. An employee physically injured in the course of employment would ordinarily look to Workers Compensation and Employers Liability, not EPLI. EPLI primarily addresses wrongful employment decisions and conduct rather than workplace accident injuries.
The adjuster must therefore distinguish an employment-practices wrongful act from an employment-related bodily injury. One is principally a management/professional liability exposure; the other is a Workers Compensation/employers liability exposure.
Therefore, C accurately describes the purpose of EPLI.
NEW QUESTION # 35
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 # 36
Under an HO-3 Policy, Coverage F - Medical Payments to Others applies to all of the following EXCEPT
Answer: C
Explanation:
The correct answer is C. Coverage F - Medical Payments to Others provides limited no-fault medical- expense protection for qualifying bodily injury to persons other than an insured. Coverage commonly applies to persons injured on an insured location with permission, and in specified situations involving the insured's activities, residence employees, or animals.
A special rule applies to a residence employee. Medical Payments may cover a residence employee away from the insured location when the injury arises out of or in the course of the employee's work for the insured.
However, standard HO-3 analysis excludes a residence employee's injury occurring away from the insured location when the injury is unrelated to that employment.
The nanny in option C is engaged in personal shopping, not performing duties for the insured. The necessary employment connection therefore does not exist.
The meter reader in A is injured on the insured premises, the mail carrier in B has an injury arising from the insured's dog, and the invited family friend in D is injured while on the insured location. Those scenarios fall within the general scope of Coverage F, subject to normal policy conditions and exclusions.
The Series 17-70 outline tests Homeowners Coverage F - Medical Payments to Others, definitions, exclusions, and Section II conditions.
Therefore, C is correct.
NEW QUESTION # 37
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