2025 Latest New York General Adjuster 17-
70 State Exam
2025 Latest New York General Adjuster 17-70
State Exam Prep Test Bank with 750 Recent
Test Questions and Correct Answers/ NY
General Lines Adjuster State Exam Test Bank
Which of the following is not an implied warranty under an ocean marine policy?
1 Seaworthiness of the vessel
2 Legality
3 No deviation in the voyage
4 Protection and indemnity –
Correct Answer :4 Protection and indemnity -is a form of ocean marine liability coverage and is not
an implied warranty.
Which of the following is not an optional property coverage under a homeowner policy? - Correct
Answer :Coverage for loss of use of the premises
Coverage for loss of use is an included coverage in the homeowner policy without additional
premium.
Which of the following is not considered "covered property" under all homeowner forms? - Correct
Answer :Animals, birds, and fish are listed as "property not covered" in all the homeowner forms.
Which of the following is NOT considered an "accident?"
A+ TEST BANK 1
, 2025 Latest New York General Adjuster 17-
70 State Exam
1 Vandals spray grafitti over the siding on a home.
2 A pedestrian is killed when struck by a power crane
excavating at a street construction site.
3 An employee is injured when his hand is caught in a power press.
4 A home is damaged by flying rocks from a dynamite blast. –
Correct Answer :1 Vandals spray grafitti over the siding on a home
Damage by vandals is not considered an "accident" according to the policy definition.
Which of the following is not considered to be a consequential loss coverage? - Correct Answer
:Replacement Cost Coverage
A consequential loss occurs as the result of a direct loss to the insured property. Replacement cost
coverage is used to determine the amount of the loss. If replacement cost coverage is not selected
then actual cash value applies.
Which of the following is not covered under personal injury coverage provided by the commercial
general liability policy?
1 Slander
2 False Arrest
3 Libel
4 Premises and Operations –
Correct Answer :4 Premises and Operations
A+ TEST BANK 2
, 2025 Latest New York General Adjuster 17-
70 State Exam
Injury caused on the premises or due to the operations of the insured is considered to be bodily
injury.
Which of the following is not covered under the New York Disability Benefits Law?
1 Domestic or personal employees who work 40 or more hours per week for one employer.
2 Employees or recent employees of a "covered" employer, who have worked at least four
consecutive weeks.
3 Employees of an employer who elects to provide benefits by filing an application for voluntary
coverage.
4 A minor child of the employer. –
Correct Answer :A minor child of the employer is not covered by the law.
Which of the following is not covered under workers compensation in New York? –
Correct Answer :Clergy and members of religious orders
Which of the following is not eligible for coverage under a homeowner policy form? –
Correct Answer :Farm property is not eligible for the homeowner program. Separate farm programs
are available.
Which of the following is NOT true regarding the Fair Credit Reporting Act?
1 It requires insurance companies to notify an applicant in advance that an investigative consumer
report may be ordered.
2 It permits a consumer report to list adverse information about the consumer, such as lawsuits,
arrests and convictions, only if those items occurred within seven years before the report.
A+ TEST BANK 3
, 2025 Latest New York General Adjuster 17-
70 State Exam
3 It permits a consumer report to list information about bankruptcies only if they occurred within 12
years before the report.
4 It permits a consumer reporting agency to furnish a consumer report for employment purposes. –
Correct Answer :3 It permits a consumer report to list information about bankruptcies only if they
occurred within 12 years before the report.
The Fair Credit Reporting Act requires that consumer reporting agencies adopt reasonable
procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and
other information in a manner which is fair and equitable to the consumer, with regard to the
confidentiality, accuracy, relevancy, and proper use of such information. Bankruptcies may be
included in a consumer report if they predate the report by 10 years or less.
Which of the following is the amount of coverage provided on an attached garage of a home insured
under an HO-3 for $100,000? –
Correct Answer :A garage attached to a dwelling is considered to be one structure therefore, no
additional coverage over and above the $100,000 is provided. If the structure were a separate
structure it would be covered for an additional $10,000.
Which of the following is true regarding the Fair Credit Reporting Act? –
Correct Answer :It requires the insurance companies to notify an applicant in advance that an
inspection report may be ordered
The Fair Credit Reporting Act was created by the wave of consumerism type laws. The applicant
must be advised in writing prior to an insurer ordering a report since this report is used in the
underwriting process. Often times, the report contains inaccurate or misleading information that
could adversely affect the insured and the insured has the right to contact the reporting agency to
correct or dispute that information.
Which of the following losses does not fall within the garage policy coverage territory?
A+ TEST BANK 4
70 State Exam
2025 Latest New York General Adjuster 17-70
State Exam Prep Test Bank with 750 Recent
Test Questions and Correct Answers/ NY
General Lines Adjuster State Exam Test Bank
Which of the following is not an implied warranty under an ocean marine policy?
1 Seaworthiness of the vessel
2 Legality
3 No deviation in the voyage
4 Protection and indemnity –
Correct Answer :4 Protection and indemnity -is a form of ocean marine liability coverage and is not
an implied warranty.
Which of the following is not an optional property coverage under a homeowner policy? - Correct
Answer :Coverage for loss of use of the premises
Coverage for loss of use is an included coverage in the homeowner policy without additional
premium.
Which of the following is not considered "covered property" under all homeowner forms? - Correct
Answer :Animals, birds, and fish are listed as "property not covered" in all the homeowner forms.
Which of the following is NOT considered an "accident?"
A+ TEST BANK 1
, 2025 Latest New York General Adjuster 17-
70 State Exam
1 Vandals spray grafitti over the siding on a home.
2 A pedestrian is killed when struck by a power crane
excavating at a street construction site.
3 An employee is injured when his hand is caught in a power press.
4 A home is damaged by flying rocks from a dynamite blast. –
Correct Answer :1 Vandals spray grafitti over the siding on a home
Damage by vandals is not considered an "accident" according to the policy definition.
Which of the following is not considered to be a consequential loss coverage? - Correct Answer
:Replacement Cost Coverage
A consequential loss occurs as the result of a direct loss to the insured property. Replacement cost
coverage is used to determine the amount of the loss. If replacement cost coverage is not selected
then actual cash value applies.
Which of the following is not covered under personal injury coverage provided by the commercial
general liability policy?
1 Slander
2 False Arrest
3 Libel
4 Premises and Operations –
Correct Answer :4 Premises and Operations
A+ TEST BANK 2
, 2025 Latest New York General Adjuster 17-
70 State Exam
Injury caused on the premises or due to the operations of the insured is considered to be bodily
injury.
Which of the following is not covered under the New York Disability Benefits Law?
1 Domestic or personal employees who work 40 or more hours per week for one employer.
2 Employees or recent employees of a "covered" employer, who have worked at least four
consecutive weeks.
3 Employees of an employer who elects to provide benefits by filing an application for voluntary
coverage.
4 A minor child of the employer. –
Correct Answer :A minor child of the employer is not covered by the law.
Which of the following is not covered under workers compensation in New York? –
Correct Answer :Clergy and members of religious orders
Which of the following is not eligible for coverage under a homeowner policy form? –
Correct Answer :Farm property is not eligible for the homeowner program. Separate farm programs
are available.
Which of the following is NOT true regarding the Fair Credit Reporting Act?
1 It requires insurance companies to notify an applicant in advance that an investigative consumer
report may be ordered.
2 It permits a consumer report to list adverse information about the consumer, such as lawsuits,
arrests and convictions, only if those items occurred within seven years before the report.
A+ TEST BANK 3
, 2025 Latest New York General Adjuster 17-
70 State Exam
3 It permits a consumer report to list information about bankruptcies only if they occurred within 12
years before the report.
4 It permits a consumer reporting agency to furnish a consumer report for employment purposes. –
Correct Answer :3 It permits a consumer report to list information about bankruptcies only if they
occurred within 12 years before the report.
The Fair Credit Reporting Act requires that consumer reporting agencies adopt reasonable
procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and
other information in a manner which is fair and equitable to the consumer, with regard to the
confidentiality, accuracy, relevancy, and proper use of such information. Bankruptcies may be
included in a consumer report if they predate the report by 10 years or less.
Which of the following is the amount of coverage provided on an attached garage of a home insured
under an HO-3 for $100,000? –
Correct Answer :A garage attached to a dwelling is considered to be one structure therefore, no
additional coverage over and above the $100,000 is provided. If the structure were a separate
structure it would be covered for an additional $10,000.
Which of the following is true regarding the Fair Credit Reporting Act? –
Correct Answer :It requires the insurance companies to notify an applicant in advance that an
inspection report may be ordered
The Fair Credit Reporting Act was created by the wave of consumerism type laws. The applicant
must be advised in writing prior to an insurer ordering a report since this report is used in the
underwriting process. Often times, the report contains inaccurate or misleading information that
could adversely affect the insured and the insured has the right to contact the reporting agency to
correct or dispute that information.
Which of the following losses does not fall within the garage policy coverage territory?
A+ TEST BANK 4
