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NY INDEPENDENT GENERAL ADJUSTER EXAM -
SERIES 17-70 EXAM NEWEST 2025 ACTUAL
EXAM COMPLETE 170 QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+||BRAND
NEW!!
The crew of a ship is guilty of fraud with the intention of
reaping gains at the expense of the owner. In ocean
marine coverage, what is this called? (EX: Setting the
ship on fire, diverting the ship from its course, or
embezzlement of the cargo). - .....ANSWER ...✔✔
Barratry.
An aleatory contract is most accurately described by
which of the following? - .....ANSWER ...✔✔ It is a
contract in which the performance of one party is
contingent upon the occurrence of a fortuitous
(accidental) event.
Which of the following would not be excluded under the
Liquor Liability Exclusion of the CGL? - .....ANSWER
...✔✔ Mary's Antique Shop is having a customer
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appreciation social and serves alcohol at no charge to
her guests.
Workers compensation would cover a heart attack
under all of the following situations, EXCEPT: -
.....ANSWER ...✔✔ Intoxication and horseplay caused
the heart attack.
Another name for umbrella liability insurance is: -
.....ANSWER ...✔✔ Excess.
The insured owns a two-family dwelling and rents out
one of the units. The insured suspects that drugs are
being sold from the apartment unit he is renting and
enters the premises without notice and searches the
premises but does not find drugs. What coverage would
the insured need if the tenant brings a lawsuit for
invasion of privacy? - .....ANSWER ...✔✔ Personal
Injury Coverage.
Any misinformation provided by an applicant which is
such that the insurance company would not have issued a
policy if the true facts were known is: - .....ANSWER
...✔✔ Material Misrepresentation.
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Who is responsible for the legal fees in a lawsuit
covered by Employer's Liability in a standard workers
compensation policy? - .....ANSWER ...✔✔ The insurer.
An insured carries property insurance with a limit of
$25,000 and an 80% coinsurance clause. The covered
building, however, is worth $40,000. How much would
she collect in the event of a total loss? - .....ANSWER
...✔✔ $25,000
All of the following are excluded under the theft,
disappearance and destruction coverage form, except: -
.....ANSWER ...✔✔ Dishonest Acts of Customers.
An "uninsured motor vehicle" does not include: -
.....ANSWER ...✔✔ An abandoned car used as a
residence.
The New York Superintendent of Insurance can issue a
temporary adjuster permit in emergency situations for
up to _____ to assist in the adjustment of claims arising
from a common catastrophe. - .....ANSWER ...✔✔
120 days.
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The unfair claim settlement laws and regulations in New
York provide that a violation in each instance will be
treated as a separate violation. A fine in the amount of
_____ will be imposed against the insurance company
for each violation. - .....ANSWER ...✔✔ $500
Mr. Jones has injured Susan Miller in an auto accident.
Susan has sustained medical expenses, loss of wages,
and the loss of use of her vehicle. These types of
expenses are known as: - .....ANSWER ...✔✔ Special
damages (the costs are known or can easily be
determined).
Which of the following is included in the definition of a
first party claimant:
I. An individual II. A corporation III. A partnership -
.....ANSWER ...✔✔ I, II, and III.
Which of the following situations would be covered
under bodily injury (BI) liability coverage? - .....ANSWER
...✔✔ Physical impairment.
NY INDEPENDENT GENERAL ADJUSTER EXAM -
SERIES 17-70 EXAM NEWEST 2025 ACTUAL
EXAM COMPLETE 170 QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+||BRAND
NEW!!
The crew of a ship is guilty of fraud with the intention of
reaping gains at the expense of the owner. In ocean
marine coverage, what is this called? (EX: Setting the
ship on fire, diverting the ship from its course, or
embezzlement of the cargo). - .....ANSWER ...✔✔
Barratry.
An aleatory contract is most accurately described by
which of the following? - .....ANSWER ...✔✔ It is a
contract in which the performance of one party is
contingent upon the occurrence of a fortuitous
(accidental) event.
Which of the following would not be excluded under the
Liquor Liability Exclusion of the CGL? - .....ANSWER
...✔✔ Mary's Antique Shop is having a customer
,2|Page
appreciation social and serves alcohol at no charge to
her guests.
Workers compensation would cover a heart attack
under all of the following situations, EXCEPT: -
.....ANSWER ...✔✔ Intoxication and horseplay caused
the heart attack.
Another name for umbrella liability insurance is: -
.....ANSWER ...✔✔ Excess.
The insured owns a two-family dwelling and rents out
one of the units. The insured suspects that drugs are
being sold from the apartment unit he is renting and
enters the premises without notice and searches the
premises but does not find drugs. What coverage would
the insured need if the tenant brings a lawsuit for
invasion of privacy? - .....ANSWER ...✔✔ Personal
Injury Coverage.
Any misinformation provided by an applicant which is
such that the insurance company would not have issued a
policy if the true facts were known is: - .....ANSWER
...✔✔ Material Misrepresentation.
,3|Page
Who is responsible for the legal fees in a lawsuit
covered by Employer's Liability in a standard workers
compensation policy? - .....ANSWER ...✔✔ The insurer.
An insured carries property insurance with a limit of
$25,000 and an 80% coinsurance clause. The covered
building, however, is worth $40,000. How much would
she collect in the event of a total loss? - .....ANSWER
...✔✔ $25,000
All of the following are excluded under the theft,
disappearance and destruction coverage form, except: -
.....ANSWER ...✔✔ Dishonest Acts of Customers.
An "uninsured motor vehicle" does not include: -
.....ANSWER ...✔✔ An abandoned car used as a
residence.
The New York Superintendent of Insurance can issue a
temporary adjuster permit in emergency situations for
up to _____ to assist in the adjustment of claims arising
from a common catastrophe. - .....ANSWER ...✔✔
120 days.
, 4|Page
The unfair claim settlement laws and regulations in New
York provide that a violation in each instance will be
treated as a separate violation. A fine in the amount of
_____ will be imposed against the insurance company
for each violation. - .....ANSWER ...✔✔ $500
Mr. Jones has injured Susan Miller in an auto accident.
Susan has sustained medical expenses, loss of wages,
and the loss of use of her vehicle. These types of
expenses are known as: - .....ANSWER ...✔✔ Special
damages (the costs are known or can easily be
determined).
Which of the following is included in the definition of a
first party claimant:
I. An individual II. A corporation III. A partnership -
.....ANSWER ...✔✔ I, II, and III.
Which of the following situations would be covered
under bodily injury (BI) liability coverage? - .....ANSWER
...✔✔ Physical impairment.
