New York Independent General Adjuster License
Exam 2026 Prep Test Bank A with 350 Questions
and Correct Answers/ NY 17-70 Independent
Adjuster Practice Exam A Latest 2026
A New York licensee subject to an administrative action in another jurisdiction or
governmental agency must report such action to the Superintendent within:
1 6 months.
2 10 days.
3 90 days.
4 30 days. - ANSWER-4 30 days
Insurers conducting business in New York must be examined at least once every:
1 6 months.
2 3 years.
3 4 years.
4 5 years. - ANSWER-4 5 years
Each insurer conducting business in New York must be examined in detail at least
once every five years. Any company under investigation is responsible for all
expenses involved in the examination.
Under the physical examination and autopsy provision of an accident and health
contract, the insurance company may request all of the following after a claim is
filed, EXCEPT:
1 A re-rating of the insured due to examination findings.
pg. 1
,2 An autopsy in the event of death.
3 An examination of the insured.
4 An examination of any insured family member covered under the contract. -
ANSWER-1 A re-rating of the insured due to examination findings
This is a part of the optional health insurance provisions that are designed to
protect the insurer against anti-selection and malingering.
An adjuster's report that contains all the facts, evidence and disposition of the
claim and is considered to be the final report is known as the:
1 Full Report.
2 Field Report.
3 Interim Report.
4 Settlement Report. - ANSWER-1 Full Report
The "full report" is the third and final report containing all the information
gathered.
The final report containing all facts, evidence and disposition of the claim
The Terrorism Risk Insurance Act excludes all of the following, EXCEPT
1 Commercial Auto
2 Farmowners
3 Commercial Property
4 Flood - ANSWER-3 Commercial Property
Commercial property losses would be covered by TRIA whereas the other three
would be excluded.
pg. 2
,In New York, continuing education requirements for agents must be satisfied:
1 Annually
2 Biannually
3 Every three years
4 Every four years - ANSWER-2 Biannually
Licensees(agents)must complete 15 credits of continuing education (CE) during
each two year licensing period. All courses must be completed through a Provider
Organization (Provider) approved by the New York State Insurance Department.
Independent adjusters (resident or nonresident) are not subject to the continuing
education requirements of New York.
New York has been struck with a catastrophe and adjusters are desperately needed.
The Superintendent of Insurance can issue a temporary adjuster permit in an
emergency situation such as this for _____ days.
1 30
2 60
3 90
4 120 - ANSWER-4 120
The Superintendent can issue a temporary emergency adjuster permit for a period
of 120 days to assist in the adjustment of claims arising from a common
catastrophe. No fee is involved and the person merely completes the necessary
paper work.
The Superintendent must be notified within 30 days of the final disposition of the
matter.
pg. 3
, Vision care insurance policies most often cover:
1 The cost of lenses and frames.
2 Replacement lenses and/or frames due to breakage.
3 Sunglasses and safety glasses.
4 Eye surgery. - ANSWER-The cost of lenses and frames.
Most vision policies cover corrective lenses and frames as well as contact lenses
but do not cover replacement lenses, specialty lenses such as sunglasses or surgery.
Vision does not cover eye surgeries that is under medical
An employee has been asked to use his own personal vehicle to perform certain
tasks on behalf of his employer. What coverage is used under the business auto
policy to protect the employer for lawsuits when the employee has an accident that
causes legal action against the employer? - ANSWER-Employers non-ownership
coverage. This coverage protects the employer and not the employee. The
employee is covered under his own PAP policy.
Replacement cost coverage is best defined as: - ANSWER-Replacement without
deduction for depreciation.With replacement cost coverage, the insured is
permitted to replace old with new at today's cost without a deduction for
depreciation.
Which of the following would be considered a "supplementary payment" coverage
under a business auto policy? 1)All post-judgment interest in a suit defended by the
insurer 2)Payment for an insured employee's truck being used by the employee on
a business-related trip 3)Costs for a private investigator hired by an employee to
prove he was not involved in a hit and run accident of which he has been accused
4)Up to $2,000 for the cost of bail bonds for an employee involved in an accident
while he was on a trip to Mexico that he won for exceeding sales goals set by the
pg. 4
Exam 2026 Prep Test Bank A with 350 Questions
and Correct Answers/ NY 17-70 Independent
Adjuster Practice Exam A Latest 2026
A New York licensee subject to an administrative action in another jurisdiction or
governmental agency must report such action to the Superintendent within:
1 6 months.
2 10 days.
3 90 days.
4 30 days. - ANSWER-4 30 days
Insurers conducting business in New York must be examined at least once every:
1 6 months.
2 3 years.
3 4 years.
4 5 years. - ANSWER-4 5 years
Each insurer conducting business in New York must be examined in detail at least
once every five years. Any company under investigation is responsible for all
expenses involved in the examination.
Under the physical examination and autopsy provision of an accident and health
contract, the insurance company may request all of the following after a claim is
filed, EXCEPT:
1 A re-rating of the insured due to examination findings.
pg. 1
,2 An autopsy in the event of death.
3 An examination of the insured.
4 An examination of any insured family member covered under the contract. -
ANSWER-1 A re-rating of the insured due to examination findings
This is a part of the optional health insurance provisions that are designed to
protect the insurer against anti-selection and malingering.
An adjuster's report that contains all the facts, evidence and disposition of the
claim and is considered to be the final report is known as the:
1 Full Report.
2 Field Report.
3 Interim Report.
4 Settlement Report. - ANSWER-1 Full Report
The "full report" is the third and final report containing all the information
gathered.
The final report containing all facts, evidence and disposition of the claim
The Terrorism Risk Insurance Act excludes all of the following, EXCEPT
1 Commercial Auto
2 Farmowners
3 Commercial Property
4 Flood - ANSWER-3 Commercial Property
Commercial property losses would be covered by TRIA whereas the other three
would be excluded.
pg. 2
,In New York, continuing education requirements for agents must be satisfied:
1 Annually
2 Biannually
3 Every three years
4 Every four years - ANSWER-2 Biannually
Licensees(agents)must complete 15 credits of continuing education (CE) during
each two year licensing period. All courses must be completed through a Provider
Organization (Provider) approved by the New York State Insurance Department.
Independent adjusters (resident or nonresident) are not subject to the continuing
education requirements of New York.
New York has been struck with a catastrophe and adjusters are desperately needed.
The Superintendent of Insurance can issue a temporary adjuster permit in an
emergency situation such as this for _____ days.
1 30
2 60
3 90
4 120 - ANSWER-4 120
The Superintendent can issue a temporary emergency adjuster permit for a period
of 120 days to assist in the adjustment of claims arising from a common
catastrophe. No fee is involved and the person merely completes the necessary
paper work.
The Superintendent must be notified within 30 days of the final disposition of the
matter.
pg. 3
, Vision care insurance policies most often cover:
1 The cost of lenses and frames.
2 Replacement lenses and/or frames due to breakage.
3 Sunglasses and safety glasses.
4 Eye surgery. - ANSWER-The cost of lenses and frames.
Most vision policies cover corrective lenses and frames as well as contact lenses
but do not cover replacement lenses, specialty lenses such as sunglasses or surgery.
Vision does not cover eye surgeries that is under medical
An employee has been asked to use his own personal vehicle to perform certain
tasks on behalf of his employer. What coverage is used under the business auto
policy to protect the employer for lawsuits when the employee has an accident that
causes legal action against the employer? - ANSWER-Employers non-ownership
coverage. This coverage protects the employer and not the employee. The
employee is covered under his own PAP policy.
Replacement cost coverage is best defined as: - ANSWER-Replacement without
deduction for depreciation.With replacement cost coverage, the insured is
permitted to replace old with new at today's cost without a deduction for
depreciation.
Which of the following would be considered a "supplementary payment" coverage
under a business auto policy? 1)All post-judgment interest in a suit defended by the
insurer 2)Payment for an insured employee's truck being used by the employee on
a business-related trip 3)Costs for a private investigator hired by an employee to
prove he was not involved in a hit and run accident of which he has been accused
4)Up to $2,000 for the cost of bail bonds for an employee involved in an accident
while he was on a trip to Mexico that he won for exceeding sales goals set by the
pg. 4
