NY Independent General
Insurance Adjuster Practice
Examination
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
1. What does a misrepresentation involve that could void information that may
a policy? change the insurer's inter-
est in issuing the policy if
known at the time of the
application
2. All of the following are Unfair Claims Settlement Prac- failure to respond to a first
tices EXCEPT notice of loss within 24
1. misrepresentation of policy provisions. hours.
2. failure to acknowledge pertinent communications.
3. failure to respond to a first notice of loss within 24
hours.
4. denial of claim without a reasonable investigation.
3. Which of the following characteristics of an insurance Indemnity
contract expresses the principle that the policyholder
is returned to the approximate financial condition as
before the loss?
4. Compensatory damages are awarded For actual loss suffered
5. An insured with split liability limits of $400/500/400 $400,000
is at fault in an automobile accident and the other
vehicle sustains $15000 in property damages, as well
as two passengers have bodily injury and are claiming
$81500 each. What is the MOST insurance will pay to
each occupant?
6. Who does a public adjuster represent? the insured
1. an adjustment bureau
2. the government
3. the insured
4. the insurer
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
7. Which of the following is a duty of the insured after a minimizing further loss
loss?
1. assigning risk to future loss
2. investigating cause of loss
3. minimizing further loss
4. appraising value of loss
8. What is the insurance adjuster's first step in an inves- determine if a loss oc-
tigation? curred
1. determine if a loss occurred
2. determine the amount covered
3. determine if the type of loss is covered in the con-
tract
4. determine if the loss occurred during the coverage
period
9. What allows insurance agents to issue payment on draft authority
behalf of their company?
10. What is typically the first option available for the in- arbitration
sured who disagrees with a loss settlement amount?
1. appeal
2. lawsuit
3. arbitration
4. grievance claim
11. Which party is required to provide proof of loss to the insured
establish entitlement?
1. the insurer
2. the insured
3. selling agent
4. law enforcement
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
12. Jane takes her vehicle to the local garage to have new the repair shop's Garage-
brakes installed. After completing the job, the me- keepers Liability Policy.
chanic takes the car out for a test drive. The mechanic
runs a red light and hits another vehicle. The damage
to Jane's car would be covered PRIMARILY by
13. During the first 60 days an automobile policy is in by a statement of the spe-
force, when may an insurer cancel the policy? cific reason
14. Which of the following is how defense costs are paid in excess of the limit
in relation to the limit of insurance under the personal
auto policy for bodily injury and property damage part
A-liability coverage?
15. All of the following are TRUE regarding a nonowned bodily Injury to an in-
auto EXCEPT sured's nonresident family
member or relative.
16. The insured has a commercial auto policy with a drive driving neighbor's auto
other car broadened coverage liability for named indi-
viduals (DOC) endorsement. In which of the following
would the named individual be covered?
17. All of the following are TRUE regarding torts EXCEPT a tort is always uninten-
1. a tort is always unintentional. tional.
2. another term for tort is negligence.
3. torts involve private relationships.
4. a tort is a civil wrong that violates the rights of
another.
18. Which of the following is considered temporary sub- a nonowned auto
stitute auto for physical damage?
2026
Insurance Adjuster Practice
Examination
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
1. What does a misrepresentation involve that could void information that may
a policy? change the insurer's inter-
est in issuing the policy if
known at the time of the
application
2. All of the following are Unfair Claims Settlement Prac- failure to respond to a first
tices EXCEPT notice of loss within 24
1. misrepresentation of policy provisions. hours.
2. failure to acknowledge pertinent communications.
3. failure to respond to a first notice of loss within 24
hours.
4. denial of claim without a reasonable investigation.
3. Which of the following characteristics of an insurance Indemnity
contract expresses the principle that the policyholder
is returned to the approximate financial condition as
before the loss?
4. Compensatory damages are awarded For actual loss suffered
5. An insured with split liability limits of $400/500/400 $400,000
is at fault in an automobile accident and the other
vehicle sustains $15000 in property damages, as well
as two passengers have bodily injury and are claiming
$81500 each. What is the MOST insurance will pay to
each occupant?
6. Who does a public adjuster represent? the insured
1. an adjustment bureau
2. the government
3. the insured
4. the insurer
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
7. Which of the following is a duty of the insured after a minimizing further loss
loss?
1. assigning risk to future loss
2. investigating cause of loss
3. minimizing further loss
4. appraising value of loss
8. What is the insurance adjuster's first step in an inves- determine if a loss oc-
tigation? curred
1. determine if a loss occurred
2. determine the amount covered
3. determine if the type of loss is covered in the con-
tract
4. determine if the loss occurred during the coverage
period
9. What allows insurance agents to issue payment on draft authority
behalf of their company?
10. What is typically the first option available for the in- arbitration
sured who disagrees with a loss settlement amount?
1. appeal
2. lawsuit
3. arbitration
4. grievance claim
11. Which party is required to provide proof of loss to the insured
establish entitlement?
1. the insurer
2. the insured
3. selling agent
4. law enforcement
2026
, NY Independent General Insurance Adjuster Practice Examination
Study online at https://quizlet.com/_crl8lh
12. Jane takes her vehicle to the local garage to have new the repair shop's Garage-
brakes installed. After completing the job, the me- keepers Liability Policy.
chanic takes the car out for a test drive. The mechanic
runs a red light and hits another vehicle. The damage
to Jane's car would be covered PRIMARILY by
13. During the first 60 days an automobile policy is in by a statement of the spe-
force, when may an insurer cancel the policy? cific reason
14. Which of the following is how defense costs are paid in excess of the limit
in relation to the limit of insurance under the personal
auto policy for bodily injury and property damage part
A-liability coverage?
15. All of the following are TRUE regarding a nonowned bodily Injury to an in-
auto EXCEPT sured's nonresident family
member or relative.
16. The insured has a commercial auto policy with a drive driving neighbor's auto
other car broadened coverage liability for named indi-
viduals (DOC) endorsement. In which of the following
would the named individual be covered?
17. All of the following are TRUE regarding torts EXCEPT a tort is always uninten-
1. a tort is always unintentional. tional.
2. another term for tort is negligence.
3. torts involve private relationships.
4. a tort is a civil wrong that violates the rights of
another.
18. Which of the following is considered temporary sub- a nonowned auto
stitute auto for physical damage?
2026
