New York Independent General Insurance Adjuster Practice
Examination – Series 17-70 Mock Test 2026
SECTION 1: INSURANCE REGULATION & LICENSING
(Questions 1-15)
Question 1
Under New York Insurance Law Section 2108, which of the following correctly describes
the fingerprinting requirement for independent general adjuster licensure?
A) Fingerprinting is only required for applicants with criminal records
B) All applicants for an independent adjuster license must submit to fingerprinting
C) Fingerprinting is optional and can be waived by the Superintendent
D) Only applicants with previous licenses must submit to fingerprinting
Correct Answer: B
Rationale: Section 2108 of the New York Insurance Law requires all applicants for an
independent adjuster's license to submit to fingerprinting as part of the background
check process . This is a mandatory requirement for all applicants.
Question 2
What is the license fee for an independent adjuster's license in New York?
A) $25 for each year or fraction of a year
B) $50 for each year or fraction of a year
C) $100 for each year or fraction of a year
D) $200 for each year or fraction of a year
Correct Answer: B
,Rationale: The license fee for an independent adjuster's license is $50 for each year or
fraction of a year in which a license shall be valid . This fee applies to each individual
applicant and each proposed sub-licensee.
Question 3
Which of the following individuals is NOT required to hold an adjuster's license in New
York?
A) An independent adjuster working for multiple insurers
B) A licensed New York attorney adjusting claims
C) A staff adjuster employed by an authorized insurer
D) An officer, director, or regular salaried employee of an authorized insured
Correct Answer: D
Rationale: An officer, director, or regular salaried employee of an authorized insured is
not required to hold an adjuster's license . Other exemptions include licensed New York
attorneys and average adjusters of maritime losses .
Question 4
How long is a temporary permit for an independent adjuster valid in New York?
A) 30 days
B) 60 days
C) 90 days
D) The period specified by the Superintendent, not to exceed a reasonable time
Correct Answer: D
Rationale: The Superintendent may issue a temporary permit to be effective for such
period of time as the Superintendent may specify, but in no case shall it exceed a
reasonable period for the applicant to take and pass the required examination .
,Question 5
An insurer whose place of incorporation is Toronto, Canada would be identified as what
type of insurer?
A) Domestic insurer
B) Foreign insurer
C) Alien insurer
D) Non-admitted insurer
Correct Answer: C
Rationale: Insurance companies located outside the borders of the United States are
known as alien insurance companies . A domestic insurer is incorporated in the state
where it is doing business, and a foreign insurer is incorporated in another state of the
United States.
Question 6
Under New York law, what is the continuing education requirement for public adjusters?
A) 10 credit hours per biennial licensing period
B) 15 credit hours per biennial licensing period
C) 20 credit hours per biennial licensing period
D) No continuing education is required
Correct Answer: B
Rationale: Public adjusters are required to satisfactorily complete courses or programs
equivalent to fifteen credit hours of instruction during each full biennial licensing
period . Excess credit hours accumulated during any biennial licensing period shall not
carry forward to the next period.
, Question 7
If an independent adjuster's license is lost or destroyed, what must the licensee do?
A) Apply for a new license with full application fee
B) Notify the Superintendent and pay a $15 replacement fee
C) Wait until the next renewal period
D) No action is required
Correct Answer: B
Rationale: The Superintendent may issue a replacement for a currently in force license
that has been lost or destroyed. The licensee must file an affidavit affirming under
penalty of perjury that the original license has been lost or destroyed, together with a
fee of fifteen dollars .
Question 8
Which of the following is true regarding the employment, appointment, or participation
of a person whose license has been revoked?
A) It is permanently prohibited
B) The Superintendent may approve it after 5 years
C) The Superintendent may approve it with written consent
D) It is automatically reinstated after 2 years
Correct Answer: C
Rationale: The Superintendent of Insurance may approve the employment,
appointment, or participation of any person whose license has been revoked with
written consent . This requires discretionary approval from the Superintendent.
Question 9
Insurers are required to maintain complaint records for what period of time?
Examination – Series 17-70 Mock Test 2026
SECTION 1: INSURANCE REGULATION & LICENSING
(Questions 1-15)
Question 1
Under New York Insurance Law Section 2108, which of the following correctly describes
the fingerprinting requirement for independent general adjuster licensure?
A) Fingerprinting is only required for applicants with criminal records
B) All applicants for an independent adjuster license must submit to fingerprinting
C) Fingerprinting is optional and can be waived by the Superintendent
D) Only applicants with previous licenses must submit to fingerprinting
Correct Answer: B
Rationale: Section 2108 of the New York Insurance Law requires all applicants for an
independent adjuster's license to submit to fingerprinting as part of the background
check process . This is a mandatory requirement for all applicants.
Question 2
What is the license fee for an independent adjuster's license in New York?
A) $25 for each year or fraction of a year
B) $50 for each year or fraction of a year
C) $100 for each year or fraction of a year
D) $200 for each year or fraction of a year
Correct Answer: B
,Rationale: The license fee for an independent adjuster's license is $50 for each year or
fraction of a year in which a license shall be valid . This fee applies to each individual
applicant and each proposed sub-licensee.
Question 3
Which of the following individuals is NOT required to hold an adjuster's license in New
York?
A) An independent adjuster working for multiple insurers
B) A licensed New York attorney adjusting claims
C) A staff adjuster employed by an authorized insurer
D) An officer, director, or regular salaried employee of an authorized insured
Correct Answer: D
Rationale: An officer, director, or regular salaried employee of an authorized insured is
not required to hold an adjuster's license . Other exemptions include licensed New York
attorneys and average adjusters of maritime losses .
Question 4
How long is a temporary permit for an independent adjuster valid in New York?
A) 30 days
B) 60 days
C) 90 days
D) The period specified by the Superintendent, not to exceed a reasonable time
Correct Answer: D
Rationale: The Superintendent may issue a temporary permit to be effective for such
period of time as the Superintendent may specify, but in no case shall it exceed a
reasonable period for the applicant to take and pass the required examination .
,Question 5
An insurer whose place of incorporation is Toronto, Canada would be identified as what
type of insurer?
A) Domestic insurer
B) Foreign insurer
C) Alien insurer
D) Non-admitted insurer
Correct Answer: C
Rationale: Insurance companies located outside the borders of the United States are
known as alien insurance companies . A domestic insurer is incorporated in the state
where it is doing business, and a foreign insurer is incorporated in another state of the
United States.
Question 6
Under New York law, what is the continuing education requirement for public adjusters?
A) 10 credit hours per biennial licensing period
B) 15 credit hours per biennial licensing period
C) 20 credit hours per biennial licensing period
D) No continuing education is required
Correct Answer: B
Rationale: Public adjusters are required to satisfactorily complete courses or programs
equivalent to fifteen credit hours of instruction during each full biennial licensing
period . Excess credit hours accumulated during any biennial licensing period shall not
carry forward to the next period.
, Question 7
If an independent adjuster's license is lost or destroyed, what must the licensee do?
A) Apply for a new license with full application fee
B) Notify the Superintendent and pay a $15 replacement fee
C) Wait until the next renewal period
D) No action is required
Correct Answer: B
Rationale: The Superintendent may issue a replacement for a currently in force license
that has been lost or destroyed. The licensee must file an affidavit affirming under
penalty of perjury that the original license has been lost or destroyed, together with a
fee of fifteen dollars .
Question 8
Which of the following is true regarding the employment, appointment, or participation
of a person whose license has been revoked?
A) It is permanently prohibited
B) The Superintendent may approve it after 5 years
C) The Superintendent may approve it with written consent
D) It is automatically reinstated after 2 years
Correct Answer: C
Rationale: The Superintendent of Insurance may approve the employment,
appointment, or participation of any person whose license has been revoked with
written consent . This requires discretionary approval from the Superintendent.
Question 9
Insurers are required to maintain complaint records for what period of time?
