New York State General Adjuster 17-70 questions and
answers 2026\2027 A+ Grade
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? -
correct 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: -
correct 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
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 -
correct 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 -
correct answer 4) None of the policies cover these acts.
,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. -
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. -
correct 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: -
correct answer $25 per day for one year.
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 -
correct 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."
,III. If not listed in the "Guide," obtain quotations from local automobile dealers. -
correct answer I, II and III depending on the circumstances
All the responses listed can be options in settling a total loss claim.
Personal umbrella liability policies usually cover liability as a result of:
1 Performing a professional service.
2 Serving as an officer or director of a nonprofit corporation or association.
3 For a work related activity
4 None of the activities are covered -
correct answer 2 Serving as an officer or director of a nonprofit corporation or association..
Coverage is included while serving as an officer or director of a nonprofit corporation or association.
The Now Company carries a special BOP policy with a liability limit of $500,000. The company is involved
in an accident causing $200,000 bodily injury damage and $200,000 property damage. The total amount
collectible under the policy is:
1 $500,000
2 $400,000
3 $200,000
4 $100,000 -
correct answer 2 $400,000
BOP policies provide a single limit of liability. Both bodily injury and property damage coverage is
provided. Since the amounts for bodily injury and property damage combined do not exceed the
500,000 occurrence limit, the total amount of the claim would be covered.
A tram, tape and centering gauges are being used to quick reference a unibody vehicle. Technician A
says the tram gauge is used to determine vehicle centerline. Technician B says that centering gauges
should be used to determine vehicle centerline. Who is right?
1 Technician A only
2 Technician B only
3 Both technicians are correct
, 4 Neither technician is correct -
correct answer 2 Technician B only
Technician B is correct. Centering gauges use centering pins to locate centerline. A tram is used to make
point-to-point measurements.
The maximum payable for damage or loss to signs attached to the building covered under a BOP is:
1 $2500
2 The building limit since it's attached to the building
3 $1000
4 $5000 -
correct answer 3 The
correct answer is: $1000.
Damage or loss to a sign attached to the building is limited to $1000 even though it is attached to the
building and considered part of the building.
Which of the following basic workers compensation benefits compensates a widow or other dependent
family members of an employee whose death results from a work-related injury?
1 Disability income benefits
2 Medical benefits
3 Survivor benefits
4 Rehabilitation benefits -
correct answer 3 Survivor benefits
Survivor benefits compensate a widow or other dependent family members.
Lawful economic interest in the preservation of the subject of insurance, free from loss or destruction or
monetary impairment is the definition of:
1 Insurable Interest
2 Right of Ownership
3 An Amendatory Endorsement
answers 2026\2027 A+ Grade
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? -
correct 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: -
correct 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
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 -
correct 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 -
correct answer 4) None of the policies cover these acts.
,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. -
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. -
correct 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: -
correct answer $25 per day for one year.
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 -
correct 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."
,III. If not listed in the "Guide," obtain quotations from local automobile dealers. -
correct answer I, II and III depending on the circumstances
All the responses listed can be options in settling a total loss claim.
Personal umbrella liability policies usually cover liability as a result of:
1 Performing a professional service.
2 Serving as an officer or director of a nonprofit corporation or association.
3 For a work related activity
4 None of the activities are covered -
correct answer 2 Serving as an officer or director of a nonprofit corporation or association..
Coverage is included while serving as an officer or director of a nonprofit corporation or association.
The Now Company carries a special BOP policy with a liability limit of $500,000. The company is involved
in an accident causing $200,000 bodily injury damage and $200,000 property damage. The total amount
collectible under the policy is:
1 $500,000
2 $400,000
3 $200,000
4 $100,000 -
correct answer 2 $400,000
BOP policies provide a single limit of liability. Both bodily injury and property damage coverage is
provided. Since the amounts for bodily injury and property damage combined do not exceed the
500,000 occurrence limit, the total amount of the claim would be covered.
A tram, tape and centering gauges are being used to quick reference a unibody vehicle. Technician A
says the tram gauge is used to determine vehicle centerline. Technician B says that centering gauges
should be used to determine vehicle centerline. Who is right?
1 Technician A only
2 Technician B only
3 Both technicians are correct
, 4 Neither technician is correct -
correct answer 2 Technician B only
Technician B is correct. Centering gauges use centering pins to locate centerline. A tram is used to make
point-to-point measurements.
The maximum payable for damage or loss to signs attached to the building covered under a BOP is:
1 $2500
2 The building limit since it's attached to the building
3 $1000
4 $5000 -
correct answer 3 The
correct answer is: $1000.
Damage or loss to a sign attached to the building is limited to $1000 even though it is attached to the
building and considered part of the building.
Which of the following basic workers compensation benefits compensates a widow or other dependent
family members of an employee whose death results from a work-related injury?
1 Disability income benefits
2 Medical benefits
3 Survivor benefits
4 Rehabilitation benefits -
correct answer 3 Survivor benefits
Survivor benefits compensate a widow or other dependent family members.
Lawful economic interest in the preservation of the subject of insurance, free from loss or destruction or
monetary impairment is the definition of:
1 Insurable Interest
2 Right of Ownership
3 An Amendatory Endorsement
