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NY INDEPENDENT GENERAL ADJUSTER EXAM
- SERIES 17-70 EXAM NEWEST 2025 ACTUAL
EXAM COMPLETE 170 QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+||BRAND
NEW!!Question 1: Dram Shop Liability refers to:
CORRECT ANSWER : Liquor Law Liability.
Question 2: The insured has suffered a covered loss under his
DP-3 dwelling form. He fails to protect the property from further loss. The additional loss that occurs as a result of his inactions may be denied because of what clause in the policy?
CORRECT ANSWER : Neglect.
Question 3: To be eligible for the New York assigned risk auto
plan a person must:
CORRECT ANSWER : Hold a valid driver's license.
Question 4: Any insurance adjuster whose license has been
revoked for cause will not be entitled to apply for any other
insurance license in New York until at least:
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CORRECT ANSWER : One Year.
Question 5: A typical benefit design for a long term care policy
does not include a:
CORRECT ANSWER : Conditionally or optionally renewability
feature.
Question 6: In New York the workers compensation program is
administered by the Workers Compensation Board which establishes guidelines for the program. Notice of injury or death to a worker is required to be submitted to the employer within what period of time?
CORRECT ANSWER : 30 Days.
Question 7: A common carrier is not held liable for the loss of a
shipper's goods when the loss results from:
CORRECT ANSWER : An Act of God.
Question 8: If one is found guilty of federal insurance fraud,
who can permit the guilty individual to return to the insurance business?
CORRECT ANSWER : Only an insurance regulatory official.
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Question 9: When is a passenger first covered under an aircraft
policy?
CORRECT ANSWER : When Entering the Aircraft.
Question 10: If an insured takes precautionary measures to
protect property from flood damage such as creating a retaining wall of sand bags, how much coverage if any, will be provided by a flood policy?
CORRECT ANSWER : $1,000 if the flood is imminent and the
property is in danger of flooding.
Question 11: Which Commercial Forms would cover sinkhole
collapse?
CORRECT ANSWER : Basic, Broad, and Special.
Question 12: ______ is a movement allowed by certain joints of
the skeleton that decreases the angle between two adjoining bones.
CORRECT ANSWER: Flexion
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Question 13: The listing of the perils covered is found in which
part of a homeowner policy?
CORRECT ANSWER : Insuring Agreement.
Question 14: If a dog owned by a customer is injured in the
parking lot of a store, is that considered bodily injury under liability coverage?
CORRECT ANSWER : No. The dog is property and would be
consider property damage.
Question 15: The Superintendent of Insurance may approve the
employment, appointment or participation of any person whose license has been revoked. Karen Jones had her license revoked and filed an application for relicensing and has waited over 120 days without a response from the Insurance Department. What should or can she do?
CORRECT ANSWER : Assume the relicensing is approved.
Question 16: Mr. Vickers was in a hurry to catch a plane. He
parks his car in the parking garage at the airport and leaves the keys in the ignition. When he returns he finds that his car has been stolen. Later the car was discovered with severe collision
