NY INDEPENDENT GENERAL ADJUSTER
ACTUAL TEST PAPER 2026 QUESTIONS
WITH SOLUTIONS GRADED A+ COMPLETE
ANSWERS BUNDLE
●● 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.
●● To be eligible for the New York assigned risk auto plan a person
must:.
Answer: Hold a valid driver's license.
●● Any insurance adjuster whose license has been revoked for cause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.
●● A typical benefit design for a long term care policy does not include
a:.
Answer: Conditionally or optionally renewability feature.
,●● 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.
●● 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.
●● 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.
●● When is a passenger first covered under an aircraft policy?.
Answer: When Entering the Aircraft.
●● 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.
,●● Which Commercial Forms would cover sinkhole collapse?.
Answer: Basic, Broad, and Special.
●● ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones..
Answer: Flexion
●● The listing of the perils covered is found in which part of a
homeowner policy?.
Answer: Insuring Agreement.
●● 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.
●● 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appointment or participation of any person whose license has been
revoked.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.
, ●● 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.
●● An automobile is polluting the environment. What engine component
could be the primary cause?.
Answer: Catalytic Converter Malfunction.
●● 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%
●● 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.
●● Fidelity bonds are typically written to be effective for a:.
Answer: Continuous term without an expiration date.
ACTUAL TEST PAPER 2026 QUESTIONS
WITH SOLUTIONS GRADED A+ COMPLETE
ANSWERS BUNDLE
●● 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.
●● To be eligible for the New York assigned risk auto plan a person
must:.
Answer: Hold a valid driver's license.
●● 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.
●● A typical benefit design for a long term care policy does not include
a:.
Answer: Conditionally or optionally renewability feature.
,●● 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.
●● 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.
●● 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.
●● When is a passenger first covered under an aircraft policy?.
Answer: When Entering the Aircraft.
●● 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.
,●● Which Commercial Forms would cover sinkhole collapse?.
Answer: Basic, Broad, and Special.
●● ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones..
Answer: Flexion
●● The listing of the perils covered is found in which part of a
homeowner policy?.
Answer: Insuring Agreement.
●● 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.
●● 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.
, ●● 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.
●● An automobile is polluting the environment. What engine component
could be the primary cause?.
Answer: Catalytic Converter Malfunction.
●● 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%
●● 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.
●● Fidelity bonds are typically written to be effective for a:.
Answer: Continuous term without an expiration date.
