New York auto exam 2026 Questions and
Answers
All of the following are reasons that an adjuster should keep very detailed log
notes, EXCEPT: - Correct Answer -To produce notes that will support a fraudulent
denial of claims. .
The adjuster's log notes are used to determine negligent parties, to assist in
detecting fraud, to become a part of the claims file, and to be used in future
proceedings. The log notes are not intended to produce a fraudulent record to deny
a claim.
When a homeowners policy has been in effect for 60 days in New York, an insurer
can cancel at anytime for any of the following reasons, EXCEPT: - Correct Answer
-A large loss has occurred
George Wilson has a personal auto policy. Select the coverage that would apply
when a deer leaps onto Mr. Wilson's car and causes extensive damage. - Correct
Answer -Comprehensive (other than collision).
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, Contact with a bird or animal is considered to be an "other than collision" loss.
What is the purpose of the New York automobile inspection requirement? - Correct
Answer -To determine prior damage to the vehicle .
The purpose of the New York automobile inspection requirement is to determine if
there was prior damage to the vehicle at the time coverage was put into effect.
The law recognizes two types of waivers. They are: - Correct Answer -
Express/implied.
They are express and implied. An express waiver occurs when the insurer or its
representative knowingly gives up a known right under the insurance contract.
Perhaps the right to request an appraisal of the damaged property is an example.
By comparison, an implied waiver may be the result from some act of neglect on
the part of the adjuster.
In New York, how often may the Superintendent examine insurers doing business
in the state? - Correct Answer -As often as he/she deems necessary.
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Answers
All of the following are reasons that an adjuster should keep very detailed log
notes, EXCEPT: - Correct Answer -To produce notes that will support a fraudulent
denial of claims. .
The adjuster's log notes are used to determine negligent parties, to assist in
detecting fraud, to become a part of the claims file, and to be used in future
proceedings. The log notes are not intended to produce a fraudulent record to deny
a claim.
When a homeowners policy has been in effect for 60 days in New York, an insurer
can cancel at anytime for any of the following reasons, EXCEPT: - Correct Answer
-A large loss has occurred
George Wilson has a personal auto policy. Select the coverage that would apply
when a deer leaps onto Mr. Wilson's car and causes extensive damage. - Correct
Answer -Comprehensive (other than collision).
©COPYRIGHT 2025 ALL RIGHTS RESERVED 1
, Contact with a bird or animal is considered to be an "other than collision" loss.
What is the purpose of the New York automobile inspection requirement? - Correct
Answer -To determine prior damage to the vehicle .
The purpose of the New York automobile inspection requirement is to determine if
there was prior damage to the vehicle at the time coverage was put into effect.
The law recognizes two types of waivers. They are: - Correct Answer -
Express/implied.
They are express and implied. An express waiver occurs when the insurer or its
representative knowingly gives up a known right under the insurance contract.
Perhaps the right to request an appraisal of the damaged property is an example.
By comparison, an implied waiver may be the result from some act of neglect on
the part of the adjuster.
In New York, how often may the Superintendent examine insurers doing business
in the state? - Correct Answer -As often as he/she deems necessary.
©COPYRIGHT 2025 ALL RIGHTS RESERVED 2
