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NY Adjuster Practice Exam 2025 Questions and Answers

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NY Adjuster Practice Exam 2025 Questions and Answers

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NY Adjuster Practice Exam 2025
Questions and Answers


Insurance - --Answer --An economic device used to protect against the risk

of realizing unforeseen and extraordinary financial loss.


Indemnification - --Answer --The transfer of risk from one party to another.


Policyholder - --Answer --An individual or organization that pays premiums

in exchange for financial protection.


Legally binding contract - --Answer --A contract in which the insurance

company agrees to pay for specified losses in exchange for premiums.


Requirements of a legally binding contract - --Answer --Agreement,

consideration, competent parties, legal purpose.


Principle of Indemnity - --Answer --Designed to prevent an insured from

making a profit.


Insured - --Answer --An individual or organization that pays premiums in

exchange for financial protection.


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