1|Page
New York General Adjuster 17-70 State Exam Prep
Test Bank ||Verified Exam!!|| Most Recent Exam Actual
Complete 750 Real Exam Questions And Correct
Answers (Expertly Verified Answers) Already Graded
A+ | Guaranteed Success!! Newest Exam!!!
Dram Shop Liability refers to: - Answer-Liquor Law
Liability.
A homeowner with personal property insured for $60,000
had a fire which destroyed everything. The total value of
the personal property at the time of the loss was only
$50,000. What principle would be violated if her insurer
paid her more than $50,000? - Answer-Principle of
Indemnity.
What is the appropriate manner in which to sign a "release
of all claims?" - Answer-Must use full legal name.
Jane becomes injured in an auto accident caused when
she took her eyes off the road to send a text message on
her cell phone. This is an example of a: - Answer-Morale
Hazard.
,2|Page
The deductible on the Equipment Breakdown form can be
stated in what 3 ways? - Answer-Fixed Dollar Amount,
Time Deductible, and Percentage of Loss.
A car has had the front sheet metal replaced. The fender-
to-door gap is wider on the passenger side than on the
driver side and the hood appears out of alignment.
Technician A says that only the hood latch is misaligned.
Technician B says the front structure of the vehicle is not
dimensionally correct. Who is right? - Answer-Technician B
only.
A tenant leases space in a building. The tenant's space is
damaged by fire. When will the commercial Property
Policy pay for the damage? - Answer-When the owner of
the building submits proof of loss for the damage.
Dwelling forms provide what amount of coverage for grave
markers and mausoleums? - Answer-Nothing.
Homeowners form provide a limit of $5,000.
Does a flat deductible apply to basic scheduled dental
plans? - Answer-No.
,3|Page
With crop insurance policies, the coverage period is
usually: - Answer-Limited to the growing period for the
particular crop being insured.
What does an employer's non-ownership coverage under
the BAP cover? - Answer-Covers the employer when the
employee is using their vehicle on company business.
To collect under uninsured motorist coverage in New York,
the insured must prove: - Answer-There was a hit and run
driver and physical contact made.
The health insurance provision that permits the insurer to
pay limited death benefits to a relative of the insured is
known as: - Answer-Facility of Payment.
What is Demurrage? - Answer-Compensation for the
delaying of a vessel carrying freight.
How would two insurance companies pay a claim under
the "Contribution by Equal Shares" clause? - Answer-Each
would pay the same until its limits are exhausted.
, 4|Page
What does Coverage G under the Farm Forms cover? -
Answer-Barns, Silos, and Fences.
MIG welding on a rocker panel creates a heat- affected
area. What concerns should a technician be aware of
when performing this procedure? - Answer-Destruction of
the factory coating on the interior of the panel.
A licensee must report to the Superintendent of Insurance
any administrative action taken against the licensee in
another jurisdiction or by another governmental agency in
this state within _____ of the final disposition of the matter.
- Answer-30 Days.
Is damage to a covered auto while being used as part of a
car pool covered under the PD coverage of a PAP? -
Answer-Yes.
Does the National Flood Insurance Program provide
coverage for losses caused by water-main breakage? -
Answer-No.
New York General Adjuster 17-70 State Exam Prep
Test Bank ||Verified Exam!!|| Most Recent Exam Actual
Complete 750 Real Exam Questions And Correct
Answers (Expertly Verified Answers) Already Graded
A+ | Guaranteed Success!! Newest Exam!!!
Dram Shop Liability refers to: - Answer-Liquor Law
Liability.
A homeowner with personal property insured for $60,000
had a fire which destroyed everything. The total value of
the personal property at the time of the loss was only
$50,000. What principle would be violated if her insurer
paid her more than $50,000? - Answer-Principle of
Indemnity.
What is the appropriate manner in which to sign a "release
of all claims?" - Answer-Must use full legal name.
Jane becomes injured in an auto accident caused when
she took her eyes off the road to send a text message on
her cell phone. This is an example of a: - Answer-Morale
Hazard.
,2|Page
The deductible on the Equipment Breakdown form can be
stated in what 3 ways? - Answer-Fixed Dollar Amount,
Time Deductible, and Percentage of Loss.
A car has had the front sheet metal replaced. The fender-
to-door gap is wider on the passenger side than on the
driver side and the hood appears out of alignment.
Technician A says that only the hood latch is misaligned.
Technician B says the front structure of the vehicle is not
dimensionally correct. Who is right? - Answer-Technician B
only.
A tenant leases space in a building. The tenant's space is
damaged by fire. When will the commercial Property
Policy pay for the damage? - Answer-When the owner of
the building submits proof of loss for the damage.
Dwelling forms provide what amount of coverage for grave
markers and mausoleums? - Answer-Nothing.
Homeowners form provide a limit of $5,000.
Does a flat deductible apply to basic scheduled dental
plans? - Answer-No.
,3|Page
With crop insurance policies, the coverage period is
usually: - Answer-Limited to the growing period for the
particular crop being insured.
What does an employer's non-ownership coverage under
the BAP cover? - Answer-Covers the employer when the
employee is using their vehicle on company business.
To collect under uninsured motorist coverage in New York,
the insured must prove: - Answer-There was a hit and run
driver and physical contact made.
The health insurance provision that permits the insurer to
pay limited death benefits to a relative of the insured is
known as: - Answer-Facility of Payment.
What is Demurrage? - Answer-Compensation for the
delaying of a vessel carrying freight.
How would two insurance companies pay a claim under
the "Contribution by Equal Shares" clause? - Answer-Each
would pay the same until its limits are exhausted.
, 4|Page
What does Coverage G under the Farm Forms cover? -
Answer-Barns, Silos, and Fences.
MIG welding on a rocker panel creates a heat- affected
area. What concerns should a technician be aware of
when performing this procedure? - Answer-Destruction of
the factory coating on the interior of the panel.
A licensee must report to the Superintendent of Insurance
any administrative action taken against the licensee in
another jurisdiction or by another governmental agency in
this state within _____ of the final disposition of the matter.
- Answer-30 Days.
Is damage to a covered auto while being used as part of a
car pool covered under the PD coverage of a PAP? -
Answer-Yes.
Does the National Flood Insurance Program provide
coverage for losses caused by water-main breakage? -
Answer-No.
