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Tested Questions York Exam Prep Bundle Latest
2026 Recently and Correct Answers // New York
Independent General Adjuster
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. - ..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?
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Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. -
..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 - ..ANSWER...✓✓ The correct answer is: The
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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 - ..ANSWER...✓✓ EXPLANATION:
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?
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Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ..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 - ..ANSWER...✓✓ The correct answer
is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for
six calendar years.
Tested Questions York Exam Prep Bundle Latest
2026 Recently and Correct Answers // New York
Independent General Adjuster
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. - ..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?
,2|Page
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. -
..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 - ..ANSWER...✓✓ The correct answer is: The
,3|Page
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 - ..ANSWER...✓✓ EXPLANATION:
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?
, 4|Page
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ..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 - ..ANSWER...✓✓ The correct answer
is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for
six calendar years.
