NEW YORK INDEPENDENT GENERAL ADJUSTER EXAM SIMULATOR - SERIES 17-70 QUESTIONS AND CORRECT ANSWERS

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NEW YORK INDEPENDENT GENERAL ADJUSTER EXAM SIMULATOR - SERIES 17-70 QUESTIONS AND CORRECT ANSWERS

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NEW YORK INDEPENDENT GENERAL ADJUSTER EXAM SIMULATOR - SERIES 17-70 QUESTIONS AND CORRECT ANSWERS

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NEW YORK INDEPENDENT GENERAL
ADJUSTER EXAM SIMULATOR - SERIES
17-70 QUESTIONS AND CORRECT
ANSWERS

WhichA2ofA2theA2followingA2wouldA2NOTA2beA2foundA2inA2theA2conditionsA2sectionA2ofA2aA2
homeownersA2insuranceA2policy?
SubrogationA2rightsA2
DutiesA2ofA2theA2insuredA2
InsuranceA2premiumA2
MortgageeA2clauseA2-A2Ans--
TheA2insuranceA2premiumA2isA2notA2shownA2inA2theA2conditionsA2sectionA2ofA2theA2homeo
wnerA2policy.

WhichA2ofA2theA2followingA2isA2trueA2regardingA2dealersA2physicalA2damageA2coverageA2u
nderA2aA2garageA2policy?

ItA2isA2aA2blanketA2limitA2forA2coveredA2autos.A2
ItA2extendsA2coverageA2toA2customers'A2autos.A2
ItA2isA2anA2annualA2maximumA2limitA2forA2comprehensiveA2andA2collisionA2losses.A2
ItA2isA2aA2maximumA2limitA2perA2auto.A2-A2Ans--
ItA2isA2aA2blanketA2limitA2forA2coveredA2autos.
EXPLANATION:
TheA2dealer'sA2physicalA2damageA2limitA2wouldA2beA2doneA2onA2aA2blanketA2limitA2basis.A2
ThisA2wouldA2applyA2toA2comprehensiveA2andA2collisionA2lossesA2toA2theA2autoA2inventory
A2ofA2theA2dealer.A2ThisA2isA2doneA2becauseA2itA2isA2simplyA2notA2practicalA2toA2scheduleA2
eachA2dealerA2ownedA2vehicleA2forA2physicalA2damage.A2ThisA2isA2generallyA2accomplish
edA2byA2theA2useA2ofA2aA2monthlyA2reportingA2form.

WhichA2ofA2theA2followingA2wouldA2notA2beA2consideredA2anA2occupationalA2disease?

BlackA2lung.A2
Mesothelioma.A2
PulmonaryA2fibrosis.A2
BendingA2overA2toA2pickA2upA2aA2boxA2andA2hurtingA2yourA2back.A2-A2Ans--
BendingA2overA2toA2pickA2upA2aA2boxA2andA2hurtingA2yourA2back.A2isA2correct.
EXPLANATION:
BendingA2overA2toA2pickA2upA2aA2boxA2andA2causingA2anA2injuryA2isA2aA2workA2relatedA2inju
ryA2andA2notA2aA2disease.

WhichA2ofA2theA2followingA2isA2correctA2inA2orderA2forA2theA2additionalA2coverageA2ofA2"coll
apse"A2toA2beA2availableA2underA2specialA2BOP?

,TheA2collapseA2mustA2beA2suchA2thatA2theA2buildingA2canA2notA2beA2usedA2asA2intendedA2
TheA2remainingA2partA2ofA2theA2structureA2standingA2mustA2beA2demolishedA2
TheA2remainingA2partA2ofA2theA2structureA2mustA2beA2judgedA2unsoundA2toA2rebuildA2onA2
TheA2buildingA2mustA2beA2leaning,A2settlingA2orA2inA2dangerA2ofA2collapsingA2-A2Ans--
TheA2correctA2answerA2is:A2TheA2collapseA2mustA2beA2suchA2thatA2theA2buildingA2canA2notA
2beA2usedA2asA2intended.
EXPLANATION:
TheA2definitionA2ofA2collapseA2inA2theA2policyA2isA2theA2"abruptA2fallingA2downA2orA2cavingA
2inA2ofA2theA2structureA2orA2partA2ofA2theA2structure"A2andA2itA2mustA2renderA2theA2buildingA
2asA2unusableA2asA2intended.

WhichA2ofA2theA2followingA2wouldA2notA2beA2eligibleA2forA2coverageA2underA2aA2livestockA2f
loater?

PoultryA2
CattleA2
SheepA2
SwineA2-A2Ans--EXPLANATION:
PoultryA2isA2notA2eligibleA2propertyA2underA2theA2livestockA2floater.

TheA2insuredA2ownsA2aA2motorhomeA2thatA2isA2notA2coveredA2byA2theA2insured'sA2Persona
lA2AutoA2policy.A2ThisA2vehicleA2canA2beA2addedA2toA2theA2policyA2byA2usingA2whichA2ofA2th
eA2followingA2endorsements?
A2

MiscellaneousA2TypeA2VehicleA2endorsementA2
SpecialA2TypeA2VehicleA2endorsementA2
RecreationalA2VehicleA2endorsementA2
MotorhomeA2endorsementA2-A2Ans--
TheA2correctA2answerA2is:A2MiscellaneousA2TypeA2VehicleA2endorsement.
EXPLANATION:
TheA2MiscellaneousA2TypeA2VehicleA2endorsementA2canA2beA2usedA2toA2coverA2motorho
mes,A2motorcycles,A2etc.

InsurersA2mustA2maintainA2aA2complaintA2recordA2forA2_________A2afterA2allA2elementsA2o
fA2theA2complaintA2areA2resolvedA2andA2theA2fileA2isA2closed.

fiveA2yearsA2
threeA2calendarA2yearsA2
oneA2yearA2
sixA2calendarA2yearsA2-A2Ans--TheA2correctA2answerA2is:A2sixA2calendarA2years.
EXPLANATION:
InsurersA2areA2requiredA2toA2maintainA2complaintA2recordsA2forA2sixA2calendarA2years.

AA2BOPA2policyA2hasA2aA2$500,000A2occurrenceA2limitA2forA2liabilityA2andA2aA2$1,000,000A
2aggregateA2limit.A2IfA2claimsA2forA2$600,000A2andA2$400,000A2haveA2beenA2filedA2inA2twoA

, 2separateA2incidents,A2howA2muchA2coverageA2remains,A2ifA2any,A2forA2anyA2futureA2claim
sA2submittedA2duringA2theA2policyA2term?

AnswerA2Choices:A2
$500,000A2
-0-A2
$100,000A2
$1,000,000A2-A2Ans--TheA2correctA2answerA2is:A2$100,000.

EXPLANATION:

TheA2mostA2theA2policyA2willA2payA2forA2anyA2oneA2singleA2occurrenceA2isA2$500,000.A2SoA
2thatA2amountA2wouldA2beA2payableA2forA2theA2firstA2loss.A2OnceA2paidA2thatA2amountA2mu
stA2beA2subtractedA2fromA2theA2AggregateA2limitA2(theA2mostA2availableA2forA2allA2claimsA2i
nA2theA2policyA2year)A2leavingA2$500,000A2remainingA2inA2theA2aggregate.A2TheA2secondA2
claimA2isA2withinA2theA2occurrenceA2limitA2andA2sinceA2thereA2isA2enoughA2leftA2inA2theA2ag
gregate,A2theA2entireA2$400,000A2isA2payable.A2AfterA2subtractingA2theA2$400,000A2lossA2f
romA2theA2remainingA2aggregate,A2$100,000A2isA2leftA2toA2payA2anyA2andA2allA2futureA2clai
msA2forA2theA2remainderA2ofA2theA2policyA2term.

AllA2ofA2theA2followingA2areA2uniformA2mandatoryA2policyA2provisions,A2exceptA2the:

entireA2contractA2provision.A2
graceA2periodA2provision.A2
reinstatementA2provision.A2
cancellationA2provision.A2-A2Ans--TheA2correctA2answerA2is:A2cancellationA2provision..
EXPLANATION:
TheA2cancellationA2provisionA2isA2anA2optionalA2provisionA2givingA2insurersA2theA2abilityA2t
oA2determineA2howA2theA2renewabilityA2ofA2aA2healthA2policyA2willA2beA2renewed.

WithA2anA2EquipmentA2BreakdownA2policy,A2theA2lossA2settlementA2is:

ACVA2allA2ofA2theA2timeA2
ReplacementA2costA2allA2ofA2theA2timeA2
ReplacementA2costA2ifA2theA2repairA2orA2replacementA2isA2madeA2withinA218A2monthsA2
ReplacementA2costA2ifA2theA2repairA2orA2replacementA2isA2madeA2withinA224A2monthsA2-
A2Ans--
TheA2correctA2answerA2is:A2ReplacementA2costA2ifA2theA2repairA2orA2replacementA2isA2mad
eA2withinA224A2months.

EXPLANATION:

TheA2insuredA2mustA2repairA2orA2replaceA2theA2damagedA2propertyA2withinA224A2monthsA2
afterA2theA2dateA2ofA2theA2breakdownA2(unlessA2theA2timeA2periodA2isA2extendedA2byA2theA
2insurerA2inA2writing),A2orA2recoveryA2ofA2theA2lossA2isA2limitedA2toA2theA2lesserA2ofA2theA2co

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