New York Independent General Adjuster License Exam
2026 Prep Test Bank C with 80 Questions and Correct
Answers/ NY 17-70 Independent Adjuster Practice
Exam C Latest 2026
When an insurer intends to non-renew a homeowners policy in New York, at least
_____ advance notice of non-renewal must be sent to the insured.
Answer Choices: Select the Correct Answer
45 days
60 days
90 days
30 days - ANSWER-45 days is correct.
EXPLANATION:
In addition to this specific time of advance notice, specific reasons for the
company's decision to not renew must accompany the notice.
Under New York no fault automobile coverage, when may an insured sue?
Serious injury
Personal injury
When bodily injury damages exceeds $50,000
When medical coverage does not provide coverage - ANSWER-The correct
answer is: Serious injury.
EXPLANATION:
In New York an insured reserves the right to sue in case of death or serious
injuries.
pg. 1
,Which of the following would NOT be found in the conditions section of a
homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - ANSWER-The insurance premium is not shown in the
conditions section of the homeowner policy.
Which of the following is true regarding dealers physical damage coverage under a
garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses.
It is a maximum limit per auto. - ANSWER-It is a blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This
would apply to comprehensive and collision losses to the auto inventory of the
dealer. This is done because it is simply not practical to schedule each dealer
owned vehicle for physical damage. This is generally accomplished by the use of a
monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
pg. 2
,Bending over to pick up a box and hurting your back. - ANSWER-Bending over
to pick up a box and hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a work related injury and
not a disease.
Which of the following is correct in order for the additional coverage of "collapse"
to be available under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on
The building must be leaning, settling or in danger of collapsing - ANSWER-The
correct answer is: The collapse must be such that the building can not be used as
intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of
the structure or part of the structure" and it must render the building as unusable as
intended.
Which of the following would not be eligible for coverage under a livestock
floater?
Poultry
Cattle
Sheep
Swine - ANSWER-EXPLANATION:
Poultry is not eligible property under the livestock floater.
pg. 3
, The insured owns a motorhome that is not covered by the insured's Personal Auto
policy. This vehicle can be added to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ANSWER-The correct answer is: Miscellaneous Type
Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes,
motorcycles, etc.
Insurers must maintain a complaint record for _________ after all elements of the
complaint are resolved and the file is closed.
five years
three calendar years
one year
six calendar years - ANSWER-The correct answer is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for six calendar years.
A BOP policy has a $500,000 occurrence limit for liability and a $1,000,000
aggregate limit. If claims for $600,000 and $400,000 have been filed in two
separate incidents, how much coverage remains, if any, for any future claims
submitted during the policy term?
pg. 4
2026 Prep Test Bank C with 80 Questions and Correct
Answers/ NY 17-70 Independent Adjuster Practice
Exam C Latest 2026
When an insurer intends to non-renew a homeowners policy in New York, at least
_____ advance notice of non-renewal must be sent to the insured.
Answer Choices: Select the Correct Answer
45 days
60 days
90 days
30 days - ANSWER-45 days is correct.
EXPLANATION:
In addition to this specific time of advance notice, specific reasons for the
company's decision to not renew must accompany the notice.
Under New York no fault automobile coverage, when may an insured sue?
Serious injury
Personal injury
When bodily injury damages exceeds $50,000
When medical coverage does not provide coverage - ANSWER-The correct
answer is: Serious injury.
EXPLANATION:
In New York an insured reserves the right to sue in case of death or serious
injuries.
pg. 1
,Which of the following would NOT be found in the conditions section of a
homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - ANSWER-The insurance premium is not shown in the
conditions section of the homeowner policy.
Which of the following is true regarding dealers physical damage coverage under a
garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses.
It is a maximum limit per auto. - ANSWER-It is a blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This
would apply to comprehensive and collision losses to the auto inventory of the
dealer. This is done because it is simply not practical to schedule each dealer
owned vehicle for physical damage. This is generally accomplished by the use of a
monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
pg. 2
,Bending over to pick up a box and hurting your back. - ANSWER-Bending over
to pick up a box and hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a work related injury and
not a disease.
Which of the following is correct in order for the additional coverage of "collapse"
to be available under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on
The building must be leaning, settling or in danger of collapsing - ANSWER-The
correct answer is: The collapse must be such that the building can not be used as
intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of
the structure or part of the structure" and it must render the building as unusable as
intended.
Which of the following would not be eligible for coverage under a livestock
floater?
Poultry
Cattle
Sheep
Swine - ANSWER-EXPLANATION:
Poultry is not eligible property under the livestock floater.
pg. 3
, The insured owns a motorhome that is not covered by the insured's Personal Auto
policy. This vehicle can be added to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ANSWER-The correct answer is: Miscellaneous Type
Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes,
motorcycles, etc.
Insurers must maintain a complaint record for _________ after all elements of the
complaint are resolved and the file is closed.
five years
three calendar years
one year
six calendar years - ANSWER-The correct answer is: six calendar years.
EXPLANATION:
Insurers are required to maintain complaint records for six calendar years.
A BOP policy has a $500,000 occurrence limit for liability and a $1,000,000
aggregate limit. If claims for $600,000 and $400,000 have been filed in two
separate incidents, how much coverage remains, if any, for any future claims
submitted during the policy term?
pg. 4
