Insurance Licensing
NY-Independent-General-Adjuster
NewYorkIndependent General Adjuster (Series 17-70)
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Questions and Answers in PDF Format.
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Question: 1
Which of the following is a disruption of a joint in which the bone ends are no longer in contact?
A. Fracture
B. Dislocation
C. Sprain
D. Strain
Answer: B
Explanation:
The correct answer is B — Dislocation. A dislocation is a joint injury in which the normal relationship
between the bones forming the joint is disrupted and the bone ends are forced out of their normal
position. MedlinePlus describes a dislocation as disruption of the normal position of the ends of two or
more bones where they meet at a joint.
A fracture, option A, is a break in a bone and does not necessarily involve displacement of a joint. A
sprain, option C, involves stretching or tearing of ligaments that stabilize a joint, while the articulating
bones may remain in their normal relationship. A strain, option D, principally involves injury to a muscle
or tendon.
This terminology matters to an independent adjuster because accident, automobile, liability, disability,
and workers compensation claims frequently require review of medical reports. The nature of an injury
affects causation analysis, treatment requirements, expected recovery, disability duration, and valuation
of damages.
The Series 17-70 curriculum includes interpretation of medical reports, basic anatomy, medical
terminology, and common injuries as part of claims adjustment knowledge. A joint whose opposing
bone surfaces are no longer normally positioned is therefore describing a dislocation, not merely a
sprain or fracture.
Question: 2
A commercial umbrella policy provides coverage in which of the following situations?
A. A loss is covered under the underlying contract but the insurer of that contract becomes insolvent.
B. There is a large claim on a personal auto policy.
C. A loss contained within the underlying limit.
D. The policy limits on losses under the underlying policy were exhausted.
Answer: D
Explanation:
Visit us at: https://examkill.com/ny-independent-general-adjuster
NY-Independent-General-Adjuster
NewYorkIndependent General Adjuster (Series 17-70)
Up to Date products, reliable and verified.
Questions and Answers in PDF Format.
For More Information – Visit link below:
Web: www.examkill.com/
Version product
Visit us at: https://examkill.com/ny-independent-general-adjuster
, Latest Version: 6.0
Question: 1
Which of the following is a disruption of a joint in which the bone ends are no longer in contact?
A. Fracture
B. Dislocation
C. Sprain
D. Strain
Answer: B
Explanation:
The correct answer is B — Dislocation. A dislocation is a joint injury in which the normal relationship
between the bones forming the joint is disrupted and the bone ends are forced out of their normal
position. MedlinePlus describes a dislocation as disruption of the normal position of the ends of two or
more bones where they meet at a joint.
A fracture, option A, is a break in a bone and does not necessarily involve displacement of a joint. A
sprain, option C, involves stretching or tearing of ligaments that stabilize a joint, while the articulating
bones may remain in their normal relationship. A strain, option D, principally involves injury to a muscle
or tendon.
This terminology matters to an independent adjuster because accident, automobile, liability, disability,
and workers compensation claims frequently require review of medical reports. The nature of an injury
affects causation analysis, treatment requirements, expected recovery, disability duration, and valuation
of damages.
The Series 17-70 curriculum includes interpretation of medical reports, basic anatomy, medical
terminology, and common injuries as part of claims adjustment knowledge. A joint whose opposing
bone surfaces are no longer normally positioned is therefore describing a dislocation, not merely a
sprain or fracture.
Question: 2
A commercial umbrella policy provides coverage in which of the following situations?
A. A loss is covered under the underlying contract but the insurer of that contract becomes insolvent.
B. There is a large claim on a personal auto policy.
C. A loss contained within the underlying limit.
D. The policy limits on losses under the underlying policy were exhausted.
Answer: D
Explanation:
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