NYS 17-66 Independent General Adjuster Exam Newest 2025/2026 Complete All Questions And
Correct Detailed Answers |Already Graded A+||Brand New Version!! Commented [j1]:
The insurer has subrogation rights under all coverages except - ANSWER-Physical damage coverage
against a person using a covered Auto with a reasonable belief of being entitled to do so
How many days notice is required for non-renewal? - ANSWER-At least 20 days notice
The medical payments and physical damage coverage has are paid without - ANSWER-Regard to fault
Part F of the standard personal automobile policy states that the policy can be terminated within the
first 60 days for any reason other than non-payment of premium if - ANSWER-At least 20 days notice is
provided to the insured
Part D of the personal auto policy essentially provides - ANSWER-Open peril coverage for damage to the
name insurance Auto
Physical damage coverage pays for direct and - ANSWER-Accidental loss to the named insured covered
Auto
How many commercial autom BHobile coverage forms are there? - ANSWER-5
New York regulation 79 - ANSWER-Requires that all automobiles be inspected before a new insurance
policy may be issued
What is the New York State article 51 code? - ANSWER-Comprehensive motor vehicle insurance
reparations act
Is an automobile no-fault law - ANSWER-Comprehensive motor vehicle insurance reparations act
,Comprehension motor vehicle insurance reparations act - ANSWER-this law was established to ensure
that persons injured in an automobile accident would receive prompt insufficient medical treatment
along with compensation for lost income without having to pursue the loan process of litigation.
$50,000 for basic economic loss - ANSWER-New York provides for the payment of the first parties
benefits for up to
What is covered under the article 51 of the New York insurance code no-fault law? - ANSWER-Any
pedestrian, driver, or passenger injured by the use of a motor vehicle, including the named insured
under the policy, and members of the name insurance household and bicyclist
Who is excluded from the New York no-fault law? - ANSWER-Motorcyclist and their productions are
excluded, as well as non pedestrians injured by motorcycles.
Yes - ANSWER-Are pedestrians who are injured by motorcycles covered by no fault law in New York?
How many types of benefits are payable under PIP? - ANSWER-4
What are the four types of benefits payable under PIP? - ANSWER-Accident related expenses, lost wages
up to $2,000 per month, for no longer than 3 years. Other reasonable expenses for substitution services
such as assistance for the housekeeping. This coverage provides up to $25 a day for no longer than one
year after the accident. A death benefit of true thousand dollars that is payable to the person's estate for
funeral expenses.
Excess - ANSWER-No fault benefits are primary to any health insurance held by the insured, which will be
paid as
What must be submitted if there is a dispute between the insurance companies who must pay for first-
party benefits? - ANSWER-Both must submit to mandatory arbitration procedures
insurers are required to send the interpretation and application for benefits within how many days of
receiving the notice of a claim? - ANSWER-5 days
,Margie will most likely file a claim with the New York motor vehicle accident indemnification corporation
- ANSWER-If Margie does not have automobile insurance and is struck in a hit-and-run accident, which of
the following methods will Margie most likely used to recover her losses?
The insured selects the amount of additional coverage to add to the existing PIP coverage - ANSWER-
which of the following statements is correct regarding the New York additional personal injury protection
endorsement to an automobile policy?
90 days - ANSWER-if a person is qualified to receive benefits from the New York motor vehicle accident
indemnification corporation and are injured by a hit-and-run driver, how many days do they have to file a
claim?
Drive other car endorsement - ANSWER-which of the following commercial automobile endorsements
extends existing coverage to the individual scheduled and their spouse while using any non-owned Auto
for both business and personal use?
The lessor, additional insured and loss payee endorsement - ANSWER-Consider has the least Auto
described on the endorsement as in owned Auto
The miscellaneous type vehicle endorsement is used to provide coverage - ANSWER-On the types of
vehicles that are usually excluded under the personal auto policy
The out-of-state coverage endorsement provides coverage for a New York insured - ANSWER-If they have
an accident in another state with higher limits of financial responsibility
Insurance may consider adding the exclusion of medical expense - ANSWER-From the personal injury
protection endorsement to lower their premium
all of the following would be eligible for coverage under the New York joint ownership coverage
endorsement to a personal Auto policy in New York accept - ANSWER-A non-resident employee and who
is driving an insured vehicle to deliver baskets that were handmade for sale by the insured
if the towing and labor cost endorsement is attached to a personal auto policy, labor cost will be covered
only if the labor is performed - ANSWER-At the place of disablement
, the New York personal Auto mandatory amendment of policy provisions endorsement permits collision
and comprehensive coverage on a newly acquired vehicle if all of the following apply except - ANSWER-
The insured pays a newly acquired Auto premium within 30 days of purchasing the new vehicle
Which of the following is true regarding the towing and labor cost endorsement to the auto policy? -
ANSWER-It covers mechanics charges for work performed at the scene of a breakdown.
an adjuster's report that contains all the facts, evidence and disposition of the claim and is considered to
be the final report is known as the - ANSWER-Full or formal report
Which of the following statements regarding New York's obel coverage is true? - ANSWER-New York
insurers are required to offer Obel coverage to all of their no-fault policy holders
New York's regulation 79 requires inspections of vehicles prior to the issuance of physical damage
coverage. This regulation defines physical damage insurance as a policy providing all the following except
- ANSWER-Medical payments
All the following statements are true regarding the commercial automobile equipment endorsement
except - ANSWER-Physical damage coverage is excluded by the endorsement
An adjuster, insured or claim it has intentionally deceived and ensure for financial gain. Such act is known
as - ANSWER-Fraud
All of the following is true regarding supplemental spousal liability coverage in New York except -
ANSWER-The culpability of the insured spouse is irrelevant in determining if the injured spouse May
collect on the claim
Under Ben greens personal auto policy, which of the following would qualify as a family member except -
ANSWER-Susan green, Ben's wife, maintaining a separate residence
Garage keepers liability coverage excludes all of the following losses except - ANSWER-Lost to a high-
value audio system permanently installed in a covered Auto
Correct Detailed Answers |Already Graded A+||Brand New Version!! Commented [j1]:
The insurer has subrogation rights under all coverages except - ANSWER-Physical damage coverage
against a person using a covered Auto with a reasonable belief of being entitled to do so
How many days notice is required for non-renewal? - ANSWER-At least 20 days notice
The medical payments and physical damage coverage has are paid without - ANSWER-Regard to fault
Part F of the standard personal automobile policy states that the policy can be terminated within the
first 60 days for any reason other than non-payment of premium if - ANSWER-At least 20 days notice is
provided to the insured
Part D of the personal auto policy essentially provides - ANSWER-Open peril coverage for damage to the
name insurance Auto
Physical damage coverage pays for direct and - ANSWER-Accidental loss to the named insured covered
Auto
How many commercial autom BHobile coverage forms are there? - ANSWER-5
New York regulation 79 - ANSWER-Requires that all automobiles be inspected before a new insurance
policy may be issued
What is the New York State article 51 code? - ANSWER-Comprehensive motor vehicle insurance
reparations act
Is an automobile no-fault law - ANSWER-Comprehensive motor vehicle insurance reparations act
,Comprehension motor vehicle insurance reparations act - ANSWER-this law was established to ensure
that persons injured in an automobile accident would receive prompt insufficient medical treatment
along with compensation for lost income without having to pursue the loan process of litigation.
$50,000 for basic economic loss - ANSWER-New York provides for the payment of the first parties
benefits for up to
What is covered under the article 51 of the New York insurance code no-fault law? - ANSWER-Any
pedestrian, driver, or passenger injured by the use of a motor vehicle, including the named insured
under the policy, and members of the name insurance household and bicyclist
Who is excluded from the New York no-fault law? - ANSWER-Motorcyclist and their productions are
excluded, as well as non pedestrians injured by motorcycles.
Yes - ANSWER-Are pedestrians who are injured by motorcycles covered by no fault law in New York?
How many types of benefits are payable under PIP? - ANSWER-4
What are the four types of benefits payable under PIP? - ANSWER-Accident related expenses, lost wages
up to $2,000 per month, for no longer than 3 years. Other reasonable expenses for substitution services
such as assistance for the housekeeping. This coverage provides up to $25 a day for no longer than one
year after the accident. A death benefit of true thousand dollars that is payable to the person's estate for
funeral expenses.
Excess - ANSWER-No fault benefits are primary to any health insurance held by the insured, which will be
paid as
What must be submitted if there is a dispute between the insurance companies who must pay for first-
party benefits? - ANSWER-Both must submit to mandatory arbitration procedures
insurers are required to send the interpretation and application for benefits within how many days of
receiving the notice of a claim? - ANSWER-5 days
,Margie will most likely file a claim with the New York motor vehicle accident indemnification corporation
- ANSWER-If Margie does not have automobile insurance and is struck in a hit-and-run accident, which of
the following methods will Margie most likely used to recover her losses?
The insured selects the amount of additional coverage to add to the existing PIP coverage - ANSWER-
which of the following statements is correct regarding the New York additional personal injury protection
endorsement to an automobile policy?
90 days - ANSWER-if a person is qualified to receive benefits from the New York motor vehicle accident
indemnification corporation and are injured by a hit-and-run driver, how many days do they have to file a
claim?
Drive other car endorsement - ANSWER-which of the following commercial automobile endorsements
extends existing coverage to the individual scheduled and their spouse while using any non-owned Auto
for both business and personal use?
The lessor, additional insured and loss payee endorsement - ANSWER-Consider has the least Auto
described on the endorsement as in owned Auto
The miscellaneous type vehicle endorsement is used to provide coverage - ANSWER-On the types of
vehicles that are usually excluded under the personal auto policy
The out-of-state coverage endorsement provides coverage for a New York insured - ANSWER-If they have
an accident in another state with higher limits of financial responsibility
Insurance may consider adding the exclusion of medical expense - ANSWER-From the personal injury
protection endorsement to lower their premium
all of the following would be eligible for coverage under the New York joint ownership coverage
endorsement to a personal Auto policy in New York accept - ANSWER-A non-resident employee and who
is driving an insured vehicle to deliver baskets that were handmade for sale by the insured
if the towing and labor cost endorsement is attached to a personal auto policy, labor cost will be covered
only if the labor is performed - ANSWER-At the place of disablement
, the New York personal Auto mandatory amendment of policy provisions endorsement permits collision
and comprehensive coverage on a newly acquired vehicle if all of the following apply except - ANSWER-
The insured pays a newly acquired Auto premium within 30 days of purchasing the new vehicle
Which of the following is true regarding the towing and labor cost endorsement to the auto policy? -
ANSWER-It covers mechanics charges for work performed at the scene of a breakdown.
an adjuster's report that contains all the facts, evidence and disposition of the claim and is considered to
be the final report is known as the - ANSWER-Full or formal report
Which of the following statements regarding New York's obel coverage is true? - ANSWER-New York
insurers are required to offer Obel coverage to all of their no-fault policy holders
New York's regulation 79 requires inspections of vehicles prior to the issuance of physical damage
coverage. This regulation defines physical damage insurance as a policy providing all the following except
- ANSWER-Medical payments
All the following statements are true regarding the commercial automobile equipment endorsement
except - ANSWER-Physical damage coverage is excluded by the endorsement
An adjuster, insured or claim it has intentionally deceived and ensure for financial gain. Such act is known
as - ANSWER-Fraud
All of the following is true regarding supplemental spousal liability coverage in New York except -
ANSWER-The culpability of the insured spouse is irrelevant in determining if the injured spouse May
collect on the claim
Under Ben greens personal auto policy, which of the following would qualify as a family member except -
ANSWER-Susan green, Ben's wife, maintaining a separate residence
Garage keepers liability coverage excludes all of the following losses except - ANSWER-Lost to a high-
value audio system permanently installed in a covered Auto
