1|Page
2025 Latest New York General Adjuster 17-70 State
Exam Prep Test Bank with 750 Recent Test
Questions and Correct Answers/ NY General Lines
Adjuster State Exam Test Bank
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
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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 company -
...ANSWER...✓✓ 1) All post-judgment interest in a suit
defended by the insurer.
Supplementary payments do not include physical
damages, nor personal expenses of employees. The bail
bonds would be covered except that Mexico is outside the
coverage area.
Which of the following professional liability policies would
cover a dishonest, fraudulent or criminal act of the
manager of a LLC?
1)Fiduciary Liability
2)Malpractice Liability
3)Errors and Omissions
4)None of the policies cover these acts - ...ANSWER...✓✓
4) None of the policies cover these acts.
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When securing a recorded statement over the telephone,
an adjuster must:
1 Identify him or herself.
2 Advise he or she would like to record the statement and
request and receive permission to do so.
3 State the time and date.
4 All responses listed are correct. - ...ANSWER...✓✓ 4 All
responses listed are correct. The adjuster must identify
him or herself, state the date and time and get permission
to record the statement.
Uninsured Motorist coverage includes the named
insured's:
I. Medical bills and pain and suffering.
II. Lost wages. - ...ANSWER...✓✓ Both I and II is correct.
Coverage C (Uninsured Motorists) provides for payments
to or on behalf of the named insured for injuries
sustained through the negligence of an uninsured driver.
Substitute services will provide: - ...ANSWER...✓✓ $25
per day for one year.
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Basic economic loss benefits will provide up to $25 per
day for substitute services for a maximum of one year if
the injured party is not gainfully employed.
Which of the following is not a violation of the Unfair
Trade Practices Act?
1 Not attempting in good faith to settle claims
2 Denying an uncovered claim
3 Failing to promptly settle claims under one portion of
coverage in order to influence settlements under other
portions of coverage
4 Not setting forth the coverage under which a claim
payment is being made - ...ANSWER...✓✓ Denying a claim
that is not covered is not a violation.
In case of a total loss in an automobile accident, the
adjuster can do the insured which of the following?
I. Pay cost to replace the vehicle with like kind and quality
if the vehicle is a current year model.
II. Use the most recent publication of an "Official Used Car
Guide."
2025 Latest New York General Adjuster 17-70 State
Exam Prep Test Bank with 750 Recent Test
Questions and Correct Answers/ NY General Lines
Adjuster State Exam Test Bank
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
,2|Page
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 company -
...ANSWER...✓✓ 1) All post-judgment interest in a suit
defended by the insurer.
Supplementary payments do not include physical
damages, nor personal expenses of employees. The bail
bonds would be covered except that Mexico is outside the
coverage area.
Which of the following professional liability policies would
cover a dishonest, fraudulent or criminal act of the
manager of a LLC?
1)Fiduciary Liability
2)Malpractice Liability
3)Errors and Omissions
4)None of the policies cover these acts - ...ANSWER...✓✓
4) None of the policies cover these acts.
,3|Page
When securing a recorded statement over the telephone,
an adjuster must:
1 Identify him or herself.
2 Advise he or she would like to record the statement and
request and receive permission to do so.
3 State the time and date.
4 All responses listed are correct. - ...ANSWER...✓✓ 4 All
responses listed are correct. The adjuster must identify
him or herself, state the date and time and get permission
to record the statement.
Uninsured Motorist coverage includes the named
insured's:
I. Medical bills and pain and suffering.
II. Lost wages. - ...ANSWER...✓✓ Both I and II is correct.
Coverage C (Uninsured Motorists) provides for payments
to or on behalf of the named insured for injuries
sustained through the negligence of an uninsured driver.
Substitute services will provide: - ...ANSWER...✓✓ $25
per day for one year.
, 4|Page
Basic economic loss benefits will provide up to $25 per
day for substitute services for a maximum of one year if
the injured party is not gainfully employed.
Which of the following is not a violation of the Unfair
Trade Practices Act?
1 Not attempting in good faith to settle claims
2 Denying an uncovered claim
3 Failing to promptly settle claims under one portion of
coverage in order to influence settlements under other
portions of coverage
4 Not setting forth the coverage under which a claim
payment is being made - ...ANSWER...✓✓ Denying a claim
that is not covered is not a violation.
In case of a total loss in an automobile accident, the
adjuster can do the insured which of the following?
I. Pay cost to replace the vehicle with like kind and quality
if the vehicle is a current year model.
II. Use the most recent publication of an "Official Used Car
Guide."
