NYS 17-66 INDEPENDENT GENERAL
ADJUSTER EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS |ALREADY
GRADED A+|NEWEST|BRAND NEW
VERSION!!|GUARANTEED PASS
If part A of a personal auto policy shows only one limit,
The policy is written on a combined single limit basis.
Which of the following is covered under part A of the personal auto policy?
Damage to the attached garage of a dwelling rented by the insured.
When Charles uses his wife's company car and gets into an accident for which he is at fault, and
bodily injury and property damage are the result, how will the claim be settled?
Mary's company policy will pay first, and Charles policy will pay also, but on an excess basis
Marty has full coverage under a standard auto policy for the three cars he owns. smarty 16 year
old son Gordie spends the weekend at his friends house and drives one of Steve's family cars
with permission. Gordie has an accident and he is at fault for bodily injury of others. Which of
the following statements best describes how this claim will be paid?
Part a liability of Marty's policy will pay the claim
which of the following expenses would be covered, in full or in part, by the supplementary
payments section of the personal Auto policy? 1 Bail bonds 2 loss of earnings for attendance at
trials or hearings 3 post-judgment interest 4 arbitrators fees
1 2 and 3 only
1|Page
,What is true regarding nuclear energy loss coverage under a personal automobile policy?
the personal automobile policy will not provide coverage for bodily injury or property damage
caused by the insurance nuclear energy losses.
The auto liability limits of $100 - $300 - $50 - are an example of
Split limits
mr. Thompson carries minimum Auto limits in his State. He drives his car to New York which
requires bodily injury limits of $25 - $50, and a wrongful-death limit of $50 - $100, and no fault
coverage. If he has an accident in New York, what coverage would he have?
The coverage will automatically be modified to comply with the New York requirements
Under part-a of the personal auto policy, is damage to the property of others in the vehicle
covered?
No
Is damage to insurance property in the vehicle covered under Part d of the personal Auto
policy?
No
What does Part B cover?
Medical payments
What provides protection for the named insured, family members, in passengers and the
named Auto for injuries received in an accident regardless of who was at fault?
Part b medical payments coverage
This coverage also applies to other people who are injured while occupying the named
insurance Auto that is covered in the policy.
Part b - medical payments coverage
Within how many years of an accident does Part b cover reasonable expenses incurred for
necessary medical treatment and or funeral services?
Within three years of the accident
The vehicle driven by a hit-and-run driver that strikes the insured or a family member is
considered ____
An uninsured vehicle under the part c uninsured motorist coverage
2|Page
,Physical damage coverage pays for direct and accidental loss to the
Named insured's covered Auto
Physical damage coverage also covers any non-owned auto including their equipment caused by
Collision or other than collision losses
Collision, or other than collision coverage can be
Purchased separately, or together and the coverage provided can vary by automobile
Collision is defined as
D upset or rollover of a covered Auto or its impact with another vehicle or object
The part D limit for a loss to a non-owned trailer is
$1,500
Coverage for electronic equipment that is permanently installed in an area of the vehicle where
this equipment is not usually installed by the auto manufacturer, is limited to
$1,000
Under Part D, the other insurance clause is known as
Other sources of recovery
this clause states that the insurer will only pay its portions of the loss if any other source of
recovery exist, not just insurance.
The other insurance clause
How much does Part D provide for transportation expenses incurred by the insured because of
physical damage to the insurance auto?
Part D provides $20 per day up to a maximum of $600 for transportation expenses
What part of the policy is in parts e and F of personal automobile insurance?
The conditions of the policy
What does part of the policy contain?
Duties of the insured after an accident or loss
What does Part F contain?
3|Page
, It is stablish has the conditions for the coverage and describes the duties and obligations of the
insured and insurer
The coverage territory of the standard pap includes
The United States, its territories and possessions, Puerto Rico and Canada.
Can legal action be taken against the insurer?
No legal action may be taken against the insurer until all parties have complied with all policy
provisions
Policy terms may not be changed or waived except by
Written endorsement
What is The liberation clause?
When the policy form is change to provide broader coverage without additional charge
The insurer has subrogation rights under all coverages except
Physical damage coverage against a person using a covered Auto with a reasonable belief of
being entitled to do so
How many days notice is required for non-renewal?
At least 20 days notice
The medical payments and physical damage coverage has are paid without
Regard to fault
Part F of the standard personal automobile policy states that the policy can be terminated
within the first 60 days for any reason other than non-payment of premium if
At least 20 days notice is provided to the insured
Part D of the personal auto policy essentially provides
Open peril coverage for damage to the name insurance Auto
Physical damage coverage pays for direct and
Accidental loss to the named insured covered Auto
How many commercial autom BHobile coverage forms are there?
5
4|Page
ADJUSTER EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS |ALREADY
GRADED A+|NEWEST|BRAND NEW
VERSION!!|GUARANTEED PASS
If part A of a personal auto policy shows only one limit,
The policy is written on a combined single limit basis.
Which of the following is covered under part A of the personal auto policy?
Damage to the attached garage of a dwelling rented by the insured.
When Charles uses his wife's company car and gets into an accident for which he is at fault, and
bodily injury and property damage are the result, how will the claim be settled?
Mary's company policy will pay first, and Charles policy will pay also, but on an excess basis
Marty has full coverage under a standard auto policy for the three cars he owns. smarty 16 year
old son Gordie spends the weekend at his friends house and drives one of Steve's family cars
with permission. Gordie has an accident and he is at fault for bodily injury of others. Which of
the following statements best describes how this claim will be paid?
Part a liability of Marty's policy will pay the claim
which of the following expenses would be covered, in full or in part, by the supplementary
payments section of the personal Auto policy? 1 Bail bonds 2 loss of earnings for attendance at
trials or hearings 3 post-judgment interest 4 arbitrators fees
1 2 and 3 only
1|Page
,What is true regarding nuclear energy loss coverage under a personal automobile policy?
the personal automobile policy will not provide coverage for bodily injury or property damage
caused by the insurance nuclear energy losses.
The auto liability limits of $100 - $300 - $50 - are an example of
Split limits
mr. Thompson carries minimum Auto limits in his State. He drives his car to New York which
requires bodily injury limits of $25 - $50, and a wrongful-death limit of $50 - $100, and no fault
coverage. If he has an accident in New York, what coverage would he have?
The coverage will automatically be modified to comply with the New York requirements
Under part-a of the personal auto policy, is damage to the property of others in the vehicle
covered?
No
Is damage to insurance property in the vehicle covered under Part d of the personal Auto
policy?
No
What does Part B cover?
Medical payments
What provides protection for the named insured, family members, in passengers and the
named Auto for injuries received in an accident regardless of who was at fault?
Part b medical payments coverage
This coverage also applies to other people who are injured while occupying the named
insurance Auto that is covered in the policy.
Part b - medical payments coverage
Within how many years of an accident does Part b cover reasonable expenses incurred for
necessary medical treatment and or funeral services?
Within three years of the accident
The vehicle driven by a hit-and-run driver that strikes the insured or a family member is
considered ____
An uninsured vehicle under the part c uninsured motorist coverage
2|Page
,Physical damage coverage pays for direct and accidental loss to the
Named insured's covered Auto
Physical damage coverage also covers any non-owned auto including their equipment caused by
Collision or other than collision losses
Collision, or other than collision coverage can be
Purchased separately, or together and the coverage provided can vary by automobile
Collision is defined as
D upset or rollover of a covered Auto or its impact with another vehicle or object
The part D limit for a loss to a non-owned trailer is
$1,500
Coverage for electronic equipment that is permanently installed in an area of the vehicle where
this equipment is not usually installed by the auto manufacturer, is limited to
$1,000
Under Part D, the other insurance clause is known as
Other sources of recovery
this clause states that the insurer will only pay its portions of the loss if any other source of
recovery exist, not just insurance.
The other insurance clause
How much does Part D provide for transportation expenses incurred by the insured because of
physical damage to the insurance auto?
Part D provides $20 per day up to a maximum of $600 for transportation expenses
What part of the policy is in parts e and F of personal automobile insurance?
The conditions of the policy
What does part of the policy contain?
Duties of the insured after an accident or loss
What does Part F contain?
3|Page
, It is stablish has the conditions for the coverage and describes the duties and obligations of the
insured and insurer
The coverage territory of the standard pap includes
The United States, its territories and possessions, Puerto Rico and Canada.
Can legal action be taken against the insurer?
No legal action may be taken against the insurer until all parties have complied with all policy
provisions
Policy terms may not be changed or waived except by
Written endorsement
What is The liberation clause?
When the policy form is change to provide broader coverage without additional charge
The insurer has subrogation rights under all coverages except
Physical damage coverage against a person using a covered Auto with a reasonable belief of
being entitled to do so
How many days notice is required for non-renewal?
At least 20 days notice
The medical payments and physical damage coverage has are paid without
Regard to fault
Part F of the standard personal automobile policy states that the policy can be terminated
within the first 60 days for any reason other than non-payment of premium if
At least 20 days notice is provided to the insured
Part D of the personal auto policy essentially provides
Open peril coverage for damage to the name insurance Auto
Physical damage coverage pays for direct and
Accidental loss to the named insured covered Auto
How many commercial autom BHobile coverage forms are there?
5
4|Page
