NEW YORK INDEPENDENT GENERAL ADJUSTER EXAM WITH
COMPLETE QUESTIONS AND CORRECT VERIFIED
ANSWERSGRADED A+ 100% GUARANTEED PASS
A common carrier is not held liable for the loss of a shipper's goods when the loss
results from: - CORRECT ANSWER-An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty
individual to return to the insurance business? - CORRECT ANSWER-Only an
insurance regulatory official.
When is a passenger first covered under an aircraft policy? - CORRECT ANSWER-
When Entering the Aircraft.
If an insured takes precautionary measures to protect property from flood
damage such as creating a retaining wall of sand bags, how much coverage if any,
will be provided by a flood policy? - CORRECT ANSWER-$1,000 if the flood is
imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? - CORRECT ANSWER-
Basic, Broad, and Special.
, is a movement allowed by certain joints of the skeleton that decreases
the angle between two adjoining bones. - CORRECT ANSWER-Flexion
The listing of the perils covered is found in which part of a homeowner policy? -
CORRECT ANSWER-Insuring Agreement.
Dram Shop Liability refers to: - CORRECT ANSWER-Liquor Law Liability.
The insured has suffered a covered loss under his DP-3 dwelling form. He fails to
protect the property from further loss. The additional loss that occurs as a result
of his inactions may be denied because of what clause in the policy? - CORRECT
ANSWER-Neglect.
To be eligible for the New York assigned risk auto plan a person must: - CORRECT
ANSWER-Hold a valid driver's license.
Any insurance adjuster whose license has been revoked for cause will not be
entitled to apply for any other insurance license in New York until at least: -
CORRECT ANSWER-One Year.
A typical benefit design for a long term care policy does not include a: - CORRECT
ANSWER-Conditionally or optionally renewability feature.
In New York the workers compensation program is administered by the Workers
Compensation Board which establishes guidelines for the program. Notice of
, injury or death to a worker is required to be submitted to the employer within
what period of time? - CORRECT ANSWER-30 Days.
If a dog owned by a customer is injured in the parking lot of a store, is that
considered bodily injury under liability coverage? - CORRECT ANSWER-No. The
dog is property and would be consider property damage.
The Superintendent of Insurance may approve the employment, appointment or
participation of any person whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing and has waited over 120
days without a response from the Insurance Department. What should or can she
do? - CORRECT ANSWER-Assume the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his car in the parking garage
at the airport and leaves the keys in the ignition. When he returns he finds that
his car has been stolen. Later the car was discovered with severe collision
damage. The airport carries Garagekeeper's Legal Liability coverage and Mr.
Vickers carries Liability and Comprehensive coverage on his auto. What coverage
would apply? - CORRECT ANSWER-Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be
the primary cause? - CORRECT ANSWER-Catalytic Converter Malfunction.
Under the dwelling policy, DP2 or D3, what is the maximum amount of Coverage
A that would be paid for additional living expenses? - CORRECT ANSWER-20%
COMPLETE QUESTIONS AND CORRECT VERIFIED
ANSWERSGRADED A+ 100% GUARANTEED PASS
A common carrier is not held liable for the loss of a shipper's goods when the loss
results from: - CORRECT ANSWER-An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty
individual to return to the insurance business? - CORRECT ANSWER-Only an
insurance regulatory official.
When is a passenger first covered under an aircraft policy? - CORRECT ANSWER-
When Entering the Aircraft.
If an insured takes precautionary measures to protect property from flood
damage such as creating a retaining wall of sand bags, how much coverage if any,
will be provided by a flood policy? - CORRECT ANSWER-$1,000 if the flood is
imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? - CORRECT ANSWER-
Basic, Broad, and Special.
, is a movement allowed by certain joints of the skeleton that decreases
the angle between two adjoining bones. - CORRECT ANSWER-Flexion
The listing of the perils covered is found in which part of a homeowner policy? -
CORRECT ANSWER-Insuring Agreement.
Dram Shop Liability refers to: - CORRECT ANSWER-Liquor Law Liability.
The insured has suffered a covered loss under his DP-3 dwelling form. He fails to
protect the property from further loss. The additional loss that occurs as a result
of his inactions may be denied because of what clause in the policy? - CORRECT
ANSWER-Neglect.
To be eligible for the New York assigned risk auto plan a person must: - CORRECT
ANSWER-Hold a valid driver's license.
Any insurance adjuster whose license has been revoked for cause will not be
entitled to apply for any other insurance license in New York until at least: -
CORRECT ANSWER-One Year.
A typical benefit design for a long term care policy does not include a: - CORRECT
ANSWER-Conditionally or optionally renewability feature.
In New York the workers compensation program is administered by the Workers
Compensation Board which establishes guidelines for the program. Notice of
, injury or death to a worker is required to be submitted to the employer within
what period of time? - CORRECT ANSWER-30 Days.
If a dog owned by a customer is injured in the parking lot of a store, is that
considered bodily injury under liability coverage? - CORRECT ANSWER-No. The
dog is property and would be consider property damage.
The Superintendent of Insurance may approve the employment, appointment or
participation of any person whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing and has waited over 120
days without a response from the Insurance Department. What should or can she
do? - CORRECT ANSWER-Assume the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his car in the parking garage
at the airport and leaves the keys in the ignition. When he returns he finds that
his car has been stolen. Later the car was discovered with severe collision
damage. The airport carries Garagekeeper's Legal Liability coverage and Mr.
Vickers carries Liability and Comprehensive coverage on his auto. What coverage
would apply? - CORRECT ANSWER-Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be
the primary cause? - CORRECT ANSWER-Catalytic Converter Malfunction.
Under the dwelling policy, DP2 or D3, what is the maximum amount of Coverage
A that would be paid for additional living expenses? - CORRECT ANSWER-20%
