NY INDEPENDENT GENERAL ADJUSTER EXAM
SERIES 17-70 2026 EXAM SCRIPT WITH
VERIFIED SOLUTIONS
◉ 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? Answer: Neglect.
◉ To be eligible for the New York assigned risk auto plan a person
must: 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◉ Any insurance adjuster whose license has been revoked for cause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: Answer: One Year.
◉ A typical benefit design for a long term care policy does not
include a: 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? Answer:
30 Days.
,◉ A common carrier is not held liable for the loss of a shipper's
goods when the loss results from: 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? Answer:
Only an insurance regulatory official.
◉ When is a passenger first covered under an aircraft policy?
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?
Answer: $1,000 if the flood is imminent and the property is in
danger of flooding.
◉ Which Commercial Forms would cover sinkhole collapse? Answer:
Basic, Broad, and Special.
◉ ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones. Answer: Flexion
◉ The listing of the perils covered is found in which part of a
homeowner policy? Answer: Insuring Agreement.
,◉ If a dog owned by a customer is injured in the parking lot of a
store, is that considered bodily injury under liability coverage?
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appointment or participation of any person whose license has been
revoked.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? 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? Answer: Mr. Vickers comprehensive coverage.
◉ An automobile is polluting the environment. What engine
component could be the primary cause? 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? Answer: 20%
◉ Workers compensation policies also include employer's liability
coverage. If any employer fails to maintain the equipment and an
employee is injured, would it be covered under this coverage?
Answer: Yes.
◉ Fidelity bonds are typically written to be effective for a: Answer:
Continuous term without an expiration date.
◉ One purpose of a deductible is to: Answer: Eliminate small claims.
◉ If the insured has failed to pay the premium for a worker
compensation policy issued in New York, how many days notice of
cancellation must be sent to the insured? Answer: A 10 day notice.
◉ A ship owner wanting coverage in case crew members bring
liability suits for injuries sustained while working would purchase:
Answer: Protection and Indemnity
◉ Under workers compensation in New York, which of the following
does not raise the premium based on it being a proportion of the
charged premium? Answer: Premium Discount.
SERIES 17-70 2026 EXAM SCRIPT WITH
VERIFIED SOLUTIONS
◉ 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? Answer: Neglect.
◉ To be eligible for the New York assigned risk auto plan a person
must: 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: Answer: One Year.
◉ A typical benefit design for a long term care policy does not
include a: 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? Answer:
30 Days.
,◉ A common carrier is not held liable for the loss of a shipper's
goods when the loss results from: 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? Answer:
Only an insurance regulatory official.
◉ When is a passenger first covered under an aircraft policy?
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?
Answer: $1,000 if the flood is imminent and the property is in
danger of flooding.
◉ Which Commercial Forms would cover sinkhole collapse? Answer:
Basic, Broad, and Special.
◉ ______ is a movement allowed by certain joints of the skeleton that
decreases the angle between two adjoining bones. Answer: Flexion
◉ The listing of the perils covered is found in which part of a
homeowner policy? Answer: Insuring Agreement.
,◉ If a dog owned by a customer is injured in the parking lot of a
store, is that considered bodily injury under liability coverage?
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? 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? Answer: Mr. Vickers comprehensive coverage.
◉ An automobile is polluting the environment. What engine
component could be the primary cause? 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? Answer: 20%
◉ Workers compensation policies also include employer's liability
coverage. If any employer fails to maintain the equipment and an
employee is injured, would it be covered under this coverage?
Answer: Yes.
◉ Fidelity bonds are typically written to be effective for a: Answer:
Continuous term without an expiration date.
◉ One purpose of a deductible is to: Answer: Eliminate small claims.
◉ If the insured has failed to pay the premium for a worker
compensation policy issued in New York, how many days notice of
cancellation must be sent to the insured? Answer: A 10 day notice.
◉ A ship owner wanting coverage in case crew members bring
liability suits for injuries sustained while working would purchase:
Answer: Protection and Indemnity
◉ Under workers compensation in New York, which of the following
does not raise the premium based on it being a proportion of the
charged premium? Answer: Premium Discount.
