NY General Adjuster Test (10-70) Questions A
Answers
12/1 c- ceven cnumbered cyrs c- cCORRECT cANS✔✔On cwhat cdate cdoes can cadjuster's clicense cne
$1,000 c- cCORRECT cANS✔✔What cis cthe camount cof cbond cthat cmust cbe cposted cto cobtain cand
Not cuntil chearing cheld c- cCORRECT cANS✔✔When ccan cthe cSuperintendent cof cInsurance crevok
a. canytime cb. cby csending ca c30 cday cnotice cof cthe crenovation cc. cnot cuntil ca chearing cis cheld cd.
cbeen creceived
Example cof cunfair cclaim csettlement cact c- cCORRECT cANS✔✔Failing cto cacknowledge cwithin ca
ccommunications cw/ crespect cto cclaims carising cout cof cthe cinsurer's cpolicies
An cins cregulatory cofficial csuch cas cSuperintendent cof cInsurance c- cCORRECT cANS✔✔If cfound c
cwho ccan cpermit ca cguilty cindividual cto creturn cto cthe cinsurance cbusiness?
a. cfederal cofficial cb. cno cone csince cthis cis cfederal coffense cc.an cins cregulatory cofficial ci.e. cSupe
cafter cproper chearing
To cprovide csome cform cof ccompulsory cinsurance c- cCORRECT cANS✔✔What cis cthe creason cfor
claw?
Is ca cmandatory ccoverage c- cCORRECT cANS✔✔In cNY cmust cuninsured cmotorist ccoverage: ca. ci
cdoesn't crequire csign coff cfor c> climits cd. cdoesn't ccover c"hit c& crun" cdrivers
The cinsured's cproperty cdamage ccoverage c- cCORRECT cANS✔✔Damage cto ca crental ccar cis cpa
cfollowing ccoverages: ca. cinsured's cphysical cdamage cb. cproperty cdamage ccovg cc. cspecial cendo
cpurchased cfrom crental cagency
Who cmust cbelong cto cthe cassigned crisk cplan? c- cCORRECT cANS✔✔All cadmitted cauto cinsurers
Covers cthe cemployer cwhen cthe cemployee cis cusing ctheir cvehicle con ccompany cbusiness. c- cCOR
cemployer's cnon-ownership ccoverage ccover?Covers cthe cemployer cwhen cthe cemployee cis cusing
cbusiness.
Pain c& cSuffering c- cCORRECT cANS✔✔Which cis cnot ccovered cunder cworker's ccomp ccoverage?
a. cmed cexpenses cb. cpain c& csuffering cc. closs cof cwages cd. cfuneral cexpenses
The ccourt c- cCORRECT cANS✔✔Who cmakes ca cdeclaratory cjudgment cas cto cthe cmerits cof ca ccla
a. cclaims cadj cb. cinsurer cattorney cc. ccourt cd. cclaimants cattorney
Vicarious c- cCORRECT cANS✔✔What ctype cof cliability cdoes can cemployer cassume cthrough ctheir
ccontingent cc. cvicarious cd. cno cfault
The cinsuring cagreement c- cCORRECT cANS✔✔What cpart cof cthe cpolicy ccontains cthe cpromises c
ccompany cto cthe cinsured? ca. cconditions cclause cb. cdefinitions cc. cexceptions cto cexclusions cd. cin
, a. cfriend chelping cinsured clay ccarpet cb. cforeign cexchange cstudent cliving cw/ cinsured cc. ctenant co
cof cinsured cbitten cby cfamily cdog
Homeowner cpolicy c- cCORRECT cANS✔✔Which cpersonal cinsurance cpolicy ccovers cw/out cendors
c& cpersonal cliability ccoverages?
a. cDP-3 cform cb. cpersonal carticles cfloater cc. chomeowner cpolicy cd. cpersonal cproperty cfloater
An cabrupt cfalling cdown cor ccaving cin cof cthe cstructure c- cCORRECT cANS✔✔Under cnew c2000 ch
cdefinition cof ccollapse?
A cgolf ccart cused cto cplay cgolf coff cinsured's cpremises c- cCORRECT cANS✔✔Which cof cthe cfollow
cthe cHO cpolicy cof cliability? ca. cgolf ccart cused cto cplay cgolf con cpremises cb. cunlicensed crecreatio
cpark cc. c50 chp cmotor cboat cowned cby cinsured cd. cantique ccar cused cin cparade
When cstored con cthe cinsured's cpremises cin ca cgarage c- cCORRECT cANS✔✔Under cwhat ccircum
csection cof cthe chomeowner cpolicy ccover can cinboard cmotor cboat cowned cby cthe cinsured? ca. cwh
crivers c& clakes cb. cwhen chp cis c25hp cor cless cc. cwhen cstored cin cgarage con cpremises cd. cwhen c
Lightning c- cCORRECT cANS✔✔Which cof cthe cfollowing cwould cbe ccovered cunder cthe cother ctha
cpersonal cauto cpolicy? ca. cwear c& ctear c
b. cfreezing cc. cpunctured ctire cd. clightning
Pickup ctruck cused cin cany cbusiness c- cCORRECT cANS✔✔Which cof cthe cfollowing cis cnot cconsid
$200,000 c- cCORRECT cANS✔✔A ccommercial cliability cpolicy chas ca c$600K caggregate climit cand
cThey chad cone cclaim cfor c$300K cand ca c2nd cfor c$200K. cHow cmuch ccoverage cis cavailable cif cth
cclaim?
$250 c- cCORRECT cANS✔✔Under cnew c2000 cHO cforms, chow cmuch cwill cbe cpaid cunder cclaims
cto cassist cthe cinsurer cin cthe cinvestigation cor cdefense cof ca cclaim?
Under ca ccommercial cumbrella cpolicy, cwhat cis cthe creaction climit? c- cCORRECT cANS✔✔The cde
cunderlying ccoverage cdoes cnot capply cbut cthe cumbrella ccoverage cdoes
Dentist c- cCORRECT cANS✔✔Which cof cthe cfollowing cwould cnot cbe ca cprospect cfor cerrors cand c
cdentist cb. cinsurance cagents cc. creal cestate cagents cd. clawyers
Credit cUnion c- cCORRECT cANS✔✔Which cof cthe cfollowing ccannot cbe ccovered cunder ca cBOP?
a. ccredit cunion cb. coffice cbuildings cc. capartment cbuildings cd. csmall cgift cshop
Messenger c- cCORRECT cANS✔✔What cdo cwe ccall ca cperson cthat ctakes ca cblank cdeposit cto ca c
cinsurance?
a. ccustodian cb. ccashier cc. cmessenger cd. cmanager
One cyear c- cCORRECT cANS✔✔Under cthe cdiscovery ccondition closs csustained cform, chow clong
cbond chas cexpired?
The cship-owner c- cCORRECT cANS✔✔Who chas cthe cresponsibility cto csee cthat ca cship cis cseawo
Court c- cCORRECT cANS✔✔Under cthe cappraisal cclause, cif cthe cappraisers ccannot cagree con can
cdecision?
3 c- cCORRECT cANS✔✔Under cthe cBOP, cup cto chow cmany cyears ccan cthe cinsurer crequest cthe c
As crequired cby claw c- cCORRECT cANS✔✔Under cthe cworkers ccomp cendorsement cavailable cun
Answers
12/1 c- ceven cnumbered cyrs c- cCORRECT cANS✔✔On cwhat cdate cdoes can cadjuster's clicense cne
$1,000 c- cCORRECT cANS✔✔What cis cthe camount cof cbond cthat cmust cbe cposted cto cobtain cand
Not cuntil chearing cheld c- cCORRECT cANS✔✔When ccan cthe cSuperintendent cof cInsurance crevok
a. canytime cb. cby csending ca c30 cday cnotice cof cthe crenovation cc. cnot cuntil ca chearing cis cheld cd.
cbeen creceived
Example cof cunfair cclaim csettlement cact c- cCORRECT cANS✔✔Failing cto cacknowledge cwithin ca
ccommunications cw/ crespect cto cclaims carising cout cof cthe cinsurer's cpolicies
An cins cregulatory cofficial csuch cas cSuperintendent cof cInsurance c- cCORRECT cANS✔✔If cfound c
cwho ccan cpermit ca cguilty cindividual cto creturn cto cthe cinsurance cbusiness?
a. cfederal cofficial cb. cno cone csince cthis cis cfederal coffense cc.an cins cregulatory cofficial ci.e. cSupe
cafter cproper chearing
To cprovide csome cform cof ccompulsory cinsurance c- cCORRECT cANS✔✔What cis cthe creason cfor
claw?
Is ca cmandatory ccoverage c- cCORRECT cANS✔✔In cNY cmust cuninsured cmotorist ccoverage: ca. ci
cdoesn't crequire csign coff cfor c> climits cd. cdoesn't ccover c"hit c& crun" cdrivers
The cinsured's cproperty cdamage ccoverage c- cCORRECT cANS✔✔Damage cto ca crental ccar cis cpa
cfollowing ccoverages: ca. cinsured's cphysical cdamage cb. cproperty cdamage ccovg cc. cspecial cendo
cpurchased cfrom crental cagency
Who cmust cbelong cto cthe cassigned crisk cplan? c- cCORRECT cANS✔✔All cadmitted cauto cinsurers
Covers cthe cemployer cwhen cthe cemployee cis cusing ctheir cvehicle con ccompany cbusiness. c- cCOR
cemployer's cnon-ownership ccoverage ccover?Covers cthe cemployer cwhen cthe cemployee cis cusing
cbusiness.
Pain c& cSuffering c- cCORRECT cANS✔✔Which cis cnot ccovered cunder cworker's ccomp ccoverage?
a. cmed cexpenses cb. cpain c& csuffering cc. closs cof cwages cd. cfuneral cexpenses
The ccourt c- cCORRECT cANS✔✔Who cmakes ca cdeclaratory cjudgment cas cto cthe cmerits cof ca ccla
a. cclaims cadj cb. cinsurer cattorney cc. ccourt cd. cclaimants cattorney
Vicarious c- cCORRECT cANS✔✔What ctype cof cliability cdoes can cemployer cassume cthrough ctheir
ccontingent cc. cvicarious cd. cno cfault
The cinsuring cagreement c- cCORRECT cANS✔✔What cpart cof cthe cpolicy ccontains cthe cpromises c
ccompany cto cthe cinsured? ca. cconditions cclause cb. cdefinitions cc. cexceptions cto cexclusions cd. cin
, a. cfriend chelping cinsured clay ccarpet cb. cforeign cexchange cstudent cliving cw/ cinsured cc. ctenant co
cof cinsured cbitten cby cfamily cdog
Homeowner cpolicy c- cCORRECT cANS✔✔Which cpersonal cinsurance cpolicy ccovers cw/out cendors
c& cpersonal cliability ccoverages?
a. cDP-3 cform cb. cpersonal carticles cfloater cc. chomeowner cpolicy cd. cpersonal cproperty cfloater
An cabrupt cfalling cdown cor ccaving cin cof cthe cstructure c- cCORRECT cANS✔✔Under cnew c2000 ch
cdefinition cof ccollapse?
A cgolf ccart cused cto cplay cgolf coff cinsured's cpremises c- cCORRECT cANS✔✔Which cof cthe cfollow
cthe cHO cpolicy cof cliability? ca. cgolf ccart cused cto cplay cgolf con cpremises cb. cunlicensed crecreatio
cpark cc. c50 chp cmotor cboat cowned cby cinsured cd. cantique ccar cused cin cparade
When cstored con cthe cinsured's cpremises cin ca cgarage c- cCORRECT cANS✔✔Under cwhat ccircum
csection cof cthe chomeowner cpolicy ccover can cinboard cmotor cboat cowned cby cthe cinsured? ca. cwh
crivers c& clakes cb. cwhen chp cis c25hp cor cless cc. cwhen cstored cin cgarage con cpremises cd. cwhen c
Lightning c- cCORRECT cANS✔✔Which cof cthe cfollowing cwould cbe ccovered cunder cthe cother ctha
cpersonal cauto cpolicy? ca. cwear c& ctear c
b. cfreezing cc. cpunctured ctire cd. clightning
Pickup ctruck cused cin cany cbusiness c- cCORRECT cANS✔✔Which cof cthe cfollowing cis cnot cconsid
$200,000 c- cCORRECT cANS✔✔A ccommercial cliability cpolicy chas ca c$600K caggregate climit cand
cThey chad cone cclaim cfor c$300K cand ca c2nd cfor c$200K. cHow cmuch ccoverage cis cavailable cif cth
cclaim?
$250 c- cCORRECT cANS✔✔Under cnew c2000 cHO cforms, chow cmuch cwill cbe cpaid cunder cclaims
cto cassist cthe cinsurer cin cthe cinvestigation cor cdefense cof ca cclaim?
Under ca ccommercial cumbrella cpolicy, cwhat cis cthe creaction climit? c- cCORRECT cANS✔✔The cde
cunderlying ccoverage cdoes cnot capply cbut cthe cumbrella ccoverage cdoes
Dentist c- cCORRECT cANS✔✔Which cof cthe cfollowing cwould cnot cbe ca cprospect cfor cerrors cand c
cdentist cb. cinsurance cagents cc. creal cestate cagents cd. clawyers
Credit cUnion c- cCORRECT cANS✔✔Which cof cthe cfollowing ccannot cbe ccovered cunder ca cBOP?
a. ccredit cunion cb. coffice cbuildings cc. capartment cbuildings cd. csmall cgift cshop
Messenger c- cCORRECT cANS✔✔What cdo cwe ccall ca cperson cthat ctakes ca cblank cdeposit cto ca c
cinsurance?
a. ccustodian cb. ccashier cc. cmessenger cd. cmanager
One cyear c- cCORRECT cANS✔✔Under cthe cdiscovery ccondition closs csustained cform, chow clong
cbond chas cexpired?
The cship-owner c- cCORRECT cANS✔✔Who chas cthe cresponsibility cto csee cthat ca cship cis cseawo
Court c- cCORRECT cANS✔✔Under cthe cappraisal cclause, cif cthe cappraisers ccannot cagree con can
cdecision?
3 c- cCORRECT cANS✔✔Under cthe cBOP, cup cto chow cmany cyears ccan cthe cinsurer crequest cthe c
As crequired cby claw c- cCORRECT cANS✔✔Under cthe cworkers ccomp cendorsement cavailable cun
