NY INDEPENDENT GENERAL ADJUSTER
CERTIFICATION EVALUATION TEST 2026
FULL QUESTIONS AND CORRECT ANSWERS
GRADED A+
●● 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.
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.
●● 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?
Answer Choices:
$500,000
-0-
CERTIFICATION EVALUATION TEST 2026
FULL QUESTIONS AND CORRECT ANSWERS
GRADED A+
●● 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.
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.
●● 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?
Answer Choices:
$500,000
-0-
