NY INDEPENDENT GENERAL ADJUSTER EXAM
SERIES 17-70 2026 FULL PRACTICE QUESTIONS
AND ANSWERS
◉ 'Your covered auto". Answer: is critical in the PAP, there are four
types of covered auto: vehicles shown in the declarations, newly
acquired autos, owned trailers and temporary substitute autos
◉ Temporary substitute. Answer: autos or trailers that the named
insured does not own- while substituted for any vehicle in the
declarations page under certain conditions- are also covered autos
◉ front end of a vehicle. Answer: cars bumper, headlights, radiator
and other parts while the rear body of a vehicle is comprised of the
back bumper, rear wheel and axles, tail light truck and rear quarter
panels
◉ body of a car. Answer: doors, roof, bumpers, lamps, cowl and a
floor pan, among the parts
◉ pillars. Answer: vehicles supports that hold the glass in place and
add structural support to a vehicles roof
,◉ Unibody. Answer: type of body or frame in which the body of the
car and its panels, roof, chassis and floor are assembled as a single
unit. Almost all modern passenger vehicles are built by using
unibody construction
◉ engine of a car. Answer: converts gasoline into mechanical motion
through an internal combustion process, which makes the car move
◉ cars cooling system. Answer: temper the heat produced by the
engine by transferring heat to the air
◉ Anti-Lock Braking System (ABS). Answer: computer-controlled
system that senses when any of a cars wheels have or are about to
lock up and then automatically wheels rolling
◉ Cars electrical and computer system. Answer: highly sophisticated
and include sensors, battery controls and alternators
◉ laminated glass. Answer: used for car windshields, while
tempered glass is used for a car's side and back windows
◉ PAP liability insuring agreement. Answer: the insurer agrees to
pay damages for "bodily injury" or "property damage" as defined in
the definitions- that the insured is legally responsible for due to an
auto accident
,◉ purposes of the PAP liability section. Answer: "insured" is the
named insured or any resident family member when using any auto;
anyone using the covered auto; anyone who may be liable for acts or
omissions arising out of the use of the covered auto; and anyone
who may be held liable for acts or omissions arising out of the use of
any auto by the named insured or a covered family member
◉ PAP covers traditional car-pooling agreements or ride share.
Answer: however, the transportation of passengers for a free (such
as a public conveyance or livery service) is usually excluded by the
typical PAP
◉ limit of liable clause provides "per person". Answer: limit for
bodily injury, including amounts payable for medical care, loss of
services, or death due to bodily injury to one person in any single
auto accident
◉ subject to the "per person" limit. Answer: the maximum paid for
any one accident is the "each accident" limit for bodily injury. there
is also a separate property damage limit on a "per accident" basis
◉ limit of liability clauses are subject to the split limit. Answer:
specified in the declarations page. 25/50/15- NY
25- per person bodily injury
, 50- per accident bodily injury
15- per accident property damage
◉ Out-of-State coverage provision. Answer: if the laws of a particular
state require higher limits than the nonresident motorist has upon
entering the state, the coverage automatically expands to match the
minimum limits the host state requires
◉ Uninsured Motorists (UM). Answer: coverage protects insureds
from financially irresponsible drivers who do not have auto liability
insurance and who do not have the financial resources to
compensate those they injure through their negligence in an auto
accident
◉ Uninsured Motorists & Underinsured Motorists. Answer: coverage
protects against bodily injury- and in some states, property damage-
suffered by an insured when an accident is caused by a motorist who
is not sufficiently insured
◉ Personal auto policy's physical damage. Answer: coverage insures
for damages or theft to the named insured's auto caused by a
collision and other perils. in the personal auto policy, these
coverages are called collision & other than collision
SERIES 17-70 2026 FULL PRACTICE QUESTIONS
AND ANSWERS
◉ 'Your covered auto". Answer: is critical in the PAP, there are four
types of covered auto: vehicles shown in the declarations, newly
acquired autos, owned trailers and temporary substitute autos
◉ Temporary substitute. Answer: autos or trailers that the named
insured does not own- while substituted for any vehicle in the
declarations page under certain conditions- are also covered autos
◉ front end of a vehicle. Answer: cars bumper, headlights, radiator
and other parts while the rear body of a vehicle is comprised of the
back bumper, rear wheel and axles, tail light truck and rear quarter
panels
◉ body of a car. Answer: doors, roof, bumpers, lamps, cowl and a
floor pan, among the parts
◉ pillars. Answer: vehicles supports that hold the glass in place and
add structural support to a vehicles roof
,◉ Unibody. Answer: type of body or frame in which the body of the
car and its panels, roof, chassis and floor are assembled as a single
unit. Almost all modern passenger vehicles are built by using
unibody construction
◉ engine of a car. Answer: converts gasoline into mechanical motion
through an internal combustion process, which makes the car move
◉ cars cooling system. Answer: temper the heat produced by the
engine by transferring heat to the air
◉ Anti-Lock Braking System (ABS). Answer: computer-controlled
system that senses when any of a cars wheels have or are about to
lock up and then automatically wheels rolling
◉ Cars electrical and computer system. Answer: highly sophisticated
and include sensors, battery controls and alternators
◉ laminated glass. Answer: used for car windshields, while
tempered glass is used for a car's side and back windows
◉ PAP liability insuring agreement. Answer: the insurer agrees to
pay damages for "bodily injury" or "property damage" as defined in
the definitions- that the insured is legally responsible for due to an
auto accident
,◉ purposes of the PAP liability section. Answer: "insured" is the
named insured or any resident family member when using any auto;
anyone using the covered auto; anyone who may be liable for acts or
omissions arising out of the use of the covered auto; and anyone
who may be held liable for acts or omissions arising out of the use of
any auto by the named insured or a covered family member
◉ PAP covers traditional car-pooling agreements or ride share.
Answer: however, the transportation of passengers for a free (such
as a public conveyance or livery service) is usually excluded by the
typical PAP
◉ limit of liable clause provides "per person". Answer: limit for
bodily injury, including amounts payable for medical care, loss of
services, or death due to bodily injury to one person in any single
auto accident
◉ subject to the "per person" limit. Answer: the maximum paid for
any one accident is the "each accident" limit for bodily injury. there
is also a separate property damage limit on a "per accident" basis
◉ limit of liability clauses are subject to the split limit. Answer:
specified in the declarations page. 25/50/15- NY
25- per person bodily injury
, 50- per accident bodily injury
15- per accident property damage
◉ Out-of-State coverage provision. Answer: if the laws of a particular
state require higher limits than the nonresident motorist has upon
entering the state, the coverage automatically expands to match the
minimum limits the host state requires
◉ Uninsured Motorists (UM). Answer: coverage protects insureds
from financially irresponsible drivers who do not have auto liability
insurance and who do not have the financial resources to
compensate those they injure through their negligence in an auto
accident
◉ Uninsured Motorists & Underinsured Motorists. Answer: coverage
protects against bodily injury- and in some states, property damage-
suffered by an insured when an accident is caused by a motorist who
is not sufficiently insured
◉ Personal auto policy's physical damage. Answer: coverage insures
for damages or theft to the named insured's auto caused by a
collision and other perils. in the personal auto policy, these
coverages are called collision & other than collision
