2025 Latest New York General Adjuster 17-
70 State Exam
2026 Latest New York General Adjuster 17-70
State Exam Prep Test Bank with 750 Recent
Test Questions and Correct Answers/ NY
General Lines Adjuster State Exam Test Bank
Which of the following is true regarding dealers physical damage coverage under a garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses. It
is a maximum limit per auto. –
Correct Answer :It is a blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This would apply to
comprehensive and collision losses to the auto inventory of the dealer. This is done because it is
simply not practical to schedule each dealer owned vehicle for physical damage. This is generally
accomplished by the use of a monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. –
A+ TEST BANK 1
, 2025 Latest New York General Adjuster 17-
70 State Exam
Correct Answer :Bending over to pick up a box and hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a work related injury and not a disease.
Which of the following is correct in order for the additional coverage of "collapse" to be available
under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on The
building must be leaning, settling or in danger of collapsing
Correct Answer :The correct answer is: The collapse must be such that the building can not be used
as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of the structure or part
of the structure" and it must render the building as unusable as intended.
Which of the following would not be eligible for coverage under a livestock floater?
Poultry
Cattle
Sheep
Swine –
Correct Answer :EXPLANATION:
A+ TEST BANK 2
, 2025 Latest New York General Adjuster 17-
70 State Exam
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the insured's Personal Auto policy. This
vehicle can be added to the policy by using which of the following endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement –
Correct Answer :The correct answer is: Miscellaneous Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes, motorcycles, etc.
Insurers must maintain a complaint record for _________ after all elements of the complaint are
resolved and the file is closed.
five years three
calendar years one
year six calendar
years –
Correct Answer :The correct answer is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for six calendar years.
A+ TEST BANK 3
, 2025 Latest New York General Adjuster 17-
70 State Exam
A BOP policy has a $500,000 occurrence limit for liability and a $1,000,000 aggregate limit. If claims
for $600,000 and $400,000 have been filed in two separate incidents, how much coverage remains, if
any, for any future claims submitted during the policy term?
Answer Choices:
$500,000
0
$100,000
$1,000,000 –
Correct Answer :The correct answer is: $100,000.
EXPLANATION:
The most the policy will pay for any one single occurrence is $500,000. So that amount would be
payable for the first loss. Once paid that amount must be subtracted from the Aggregate limit (the
most available for all claims in the policy year) leaving $500,000 remaining in the aggregate. The
second claim is within the occurrence limit and since there is enough left in the aggregate, the entire
$400,000 is payable. After subtracting the $400,000 loss from the remaining aggregate, $100,000 is
left to pay any and all future claims for the remainder of the policy term.
All of the following are uniform mandatory policy provisions, except the:
entire contract provision. grace
period provision.
reinstatement provision.
cancellation provision. –
Correct Answer :The correct answer is: cancellation provision..
A+ TEST BANK 4
70 State Exam
2026 Latest New York General Adjuster 17-70
State Exam Prep Test Bank with 750 Recent
Test Questions and Correct Answers/ NY
General Lines Adjuster State Exam Test Bank
Which of the following is true regarding dealers physical damage coverage under a garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses. It
is a maximum limit per auto. –
Correct Answer :It is a blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This would apply to
comprehensive and collision losses to the auto inventory of the dealer. This is done because it is
simply not practical to schedule each dealer owned vehicle for physical damage. This is generally
accomplished by the use of a monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. –
A+ TEST BANK 1
, 2025 Latest New York General Adjuster 17-
70 State Exam
Correct Answer :Bending over to pick up a box and hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a work related injury and not a disease.
Which of the following is correct in order for the additional coverage of "collapse" to be available
under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on The
building must be leaning, settling or in danger of collapsing
Correct Answer :The correct answer is: The collapse must be such that the building can not be used
as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of the structure or part
of the structure" and it must render the building as unusable as intended.
Which of the following would not be eligible for coverage under a livestock floater?
Poultry
Cattle
Sheep
Swine –
Correct Answer :EXPLANATION:
A+ TEST BANK 2
, 2025 Latest New York General Adjuster 17-
70 State Exam
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the insured's Personal Auto policy. This
vehicle can be added to the policy by using which of the following endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement –
Correct Answer :The correct answer is: Miscellaneous Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes, motorcycles, etc.
Insurers must maintain a complaint record for _________ after all elements of the complaint are
resolved and the file is closed.
five years three
calendar years one
year six calendar
years –
Correct Answer :The correct answer is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for six calendar years.
A+ TEST BANK 3
, 2025 Latest New York General Adjuster 17-
70 State Exam
A BOP policy has a $500,000 occurrence limit for liability and a $1,000,000 aggregate limit. If claims
for $600,000 and $400,000 have been filed in two separate incidents, how much coverage remains, if
any, for any future claims submitted during the policy term?
Answer Choices:
$500,000
0
$100,000
$1,000,000 –
Correct Answer :The correct answer is: $100,000.
EXPLANATION:
The most the policy will pay for any one single occurrence is $500,000. So that amount would be
payable for the first loss. Once paid that amount must be subtracted from the Aggregate limit (the
most available for all claims in the policy year) leaving $500,000 remaining in the aggregate. The
second claim is within the occurrence limit and since there is enough left in the aggregate, the entire
$400,000 is payable. After subtracting the $400,000 loss from the remaining aggregate, $100,000 is
left to pay any and all future claims for the remainder of the policy term.
All of the following are uniform mandatory policy provisions, except the:
entire contract provision. grace
period provision.
reinstatement provision.
cancellation provision. –
Correct Answer :The correct answer is: cancellation provision..
A+ TEST BANK 4
