NY Independent General Adjuster
Exam - Series 17-70 EXAM WITH
ACCURATE QUESTIONS AND ANSWERS
(VERIFIED ANSWERS) | LATEST
(2026/2027) UPDATED VERSION |
100% GUARANTEED PASS
{JUST RELEASED}
1. Dram Shop Liability refers to: - ANSWER ✓ Liquor Law Liability.
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? -
ANSWER ✓ Neglect.
3. To be eligible for the New York assigned risk auto plan a person must: -
ANSWER ✓ Hold a valid driver's license.
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 Any insurance adjuster whose license has been revoked for cause will not be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: -
ANSWER ✓ One Year.
,5. A typical benefit design for a long term care policy does not include a: -
ANSWER ✓ Conditionally or optionally renewability feature.
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? - ANSWER ✓ 30 Days.
7. A common carrier is not held liable for the loss of a shipper's goods when the
loss results from: - ANSWER ✓ An Act of God.
8. If one is found guilty of federal insurance fraud, who can permit the guilty
individual to return to the insurance business? - ANSWER ✓ Only an
insurance regulatory official.
9. When is a passenger first covered under an aircraft policy? - ANSWER ✓
When Entering the Aircraft.
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? - ANSWER ✓ $1,000 if the flood is
imminent and the property is in danger of flooding.
,11. Which Commercial Forms would cover sinkhole collapse? - ANSWER ✓ Basic,
Broad, and Special.
12. ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones. - ANSWER ✓ Flexion
13. The listing of the perils covered is found in which part of a homeowner policy?
- ANSWER ✓ Insuring Agreement.
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? - ANSWER ✓ No. The dog is
property and would be consider property damage.
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? - ANSWER ✓ Assume the relicensing is approved.
, 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 damage. The airport carries Garagekeeper's Legal Liability coverage
and Mr. Vickers carries Liability and Comprehensive coverage on his auto.
What coverage would apply? - ANSWER ✓ Mr. Vickers comprehensive
coverage.
17. An automobile is polluting the environment. What engine component could be
the primary cause? - ANSWER ✓ Catalytic Converter Malfunction.
18. Under the dwelling policy, DP2 or D3, what is the maximum amount of
Coverage A that would be paid for additional living expenses? - ANSWER ✓
20%
19. Workers compensation policies also include employer's liability coverage. If
any employer fails to maintain the equipment and an employee is injured,
would it be covered under this coverage? - ANSWER ✓ Yes.
20. Fidelity bonds are typically written to be effective for a: - ANSWER ✓
Continuous term without an expiration date.
21. One purpose of a deductible is to: - ANSWER ✓ Eliminate small claims.
Exam - Series 17-70 EXAM WITH
ACCURATE QUESTIONS AND ANSWERS
(VERIFIED ANSWERS) | LATEST
(2026/2027) UPDATED VERSION |
100% GUARANTEED PASS
{JUST RELEASED}
1. Dram Shop Liability refers to: - ANSWER ✓ Liquor Law Liability.
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? -
ANSWER ✓ Neglect.
3. To be eligible for the New York assigned risk auto plan a person must: -
ANSWER ✓ Hold a valid driver's license.
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: -
ANSWER ✓ One Year.
,5. A typical benefit design for a long term care policy does not include a: -
ANSWER ✓ Conditionally or optionally renewability feature.
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? - ANSWER ✓ 30 Days.
7. A common carrier is not held liable for the loss of a shipper's goods when the
loss results from: - ANSWER ✓ An Act of God.
8. If one is found guilty of federal insurance fraud, who can permit the guilty
individual to return to the insurance business? - ANSWER ✓ Only an
insurance regulatory official.
9. When is a passenger first covered under an aircraft policy? - ANSWER ✓
When Entering the Aircraft.
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? - ANSWER ✓ $1,000 if the flood is
imminent and the property is in danger of flooding.
,11. Which Commercial Forms would cover sinkhole collapse? - ANSWER ✓ Basic,
Broad, and Special.
12. ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones. - ANSWER ✓ Flexion
13. The listing of the perils covered is found in which part of a homeowner policy?
- ANSWER ✓ Insuring Agreement.
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? - ANSWER ✓ No. The dog is
property and would be consider property damage.
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? - ANSWER ✓ Assume the relicensing is approved.
, 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 damage. The airport carries Garagekeeper's Legal Liability coverage
and Mr. Vickers carries Liability and Comprehensive coverage on his auto.
What coverage would apply? - ANSWER ✓ Mr. Vickers comprehensive
coverage.
17. An automobile is polluting the environment. What engine component could be
the primary cause? - ANSWER ✓ Catalytic Converter Malfunction.
18. Under the dwelling policy, DP2 or D3, what is the maximum amount of
Coverage A that would be paid for additional living expenses? - ANSWER ✓
20%
19. Workers compensation policies also include employer's liability coverage. If
any employer fails to maintain the equipment and an employee is injured,
would it be covered under this coverage? - ANSWER ✓ Yes.
20. Fidelity bonds are typically written to be effective for a: - ANSWER ✓
Continuous term without an expiration date.
21. One purpose of a deductible is to: - ANSWER ✓ Eliminate small claims.
