NEW YORK ADJUSTER EXAM QUESTIONS
WITH COMPLETE SOLUTIONS 100
PERCENT CORRECT AND VERIFIED
ALREADY PASSED COMPREHENSIVE
STUDY GUIDE 2026 QUESTIONS WITH
VERIFIED ANSWERS GRADED A+
⩥ Property damage to an insured's work that arises out of the work and
is part of the products-completed operations hazard, as defined in a
commercial umbrella liability policy is: Answer: Usually excluded
unless the work out of which the damage arose was done by a
subcontractor rather than the insured.
⩥ The insured car dealer carries dealer's physical damage coverage with
comprehensive and collision coverage. One of the salesmen allows an
old customer to test drive a van. The customer steals the car and it is
later found heavily damaged in an accident. The adjuster will: Answer:
Deny the claim unless the insured carries "false pretense" coverage.
⩥ The limit for "medical and rehabilitation expenses" under the New
York automobile "No-Fault" law is: Answer: $50,000.
⩥ All of the following types of signs can be covered by the Sign
Coverage Form, except: Answer: Signs carved in stone or brick
, ⩥ Which of the following is used to bring a standardized insurance form
into compliance with state laws? Answer: Endorsements.
⩥ Most crop insurance in the United States is written by: Answer:
Private stock and mutual companies.
⩥ Under a standardized NCCI workers' compensation policy, the
insurance company will pay to the insured, as part of any claim,
proceeding, or suit defended, all of the following expenses, EXCEPT:
Answer: Loss of earnings.
⩥ Homeowners policies cover all of the following, EXCEPT: Answer: A
2-family dwelling occupied by tenants who are renting the covered
premises from the named insured.
⩥ Gavin operates a small manufacturing plant and is covered under a
Commercial Property Business Income form. Under which of the
following scenarios will Gavin be covered? Answer: His loss of profit
while out of business as a result of a fire loss.
⩥ An insured has his home covered under Dwelling policies with three
different insurance companies. Company A provides 50% of the
coverage, Company B provides 45% of the coverage, and Company C
provides 5% of the coverage. When settling a claim for $10,000 worth
of damage to the dwelling, what will Company C pay? Answer: $500
WITH COMPLETE SOLUTIONS 100
PERCENT CORRECT AND VERIFIED
ALREADY PASSED COMPREHENSIVE
STUDY GUIDE 2026 QUESTIONS WITH
VERIFIED ANSWERS GRADED A+
⩥ Property damage to an insured's work that arises out of the work and
is part of the products-completed operations hazard, as defined in a
commercial umbrella liability policy is: Answer: Usually excluded
unless the work out of which the damage arose was done by a
subcontractor rather than the insured.
⩥ The insured car dealer carries dealer's physical damage coverage with
comprehensive and collision coverage. One of the salesmen allows an
old customer to test drive a van. The customer steals the car and it is
later found heavily damaged in an accident. The adjuster will: Answer:
Deny the claim unless the insured carries "false pretense" coverage.
⩥ The limit for "medical and rehabilitation expenses" under the New
York automobile "No-Fault" law is: Answer: $50,000.
⩥ All of the following types of signs can be covered by the Sign
Coverage Form, except: Answer: Signs carved in stone or brick
, ⩥ Which of the following is used to bring a standardized insurance form
into compliance with state laws? Answer: Endorsements.
⩥ Most crop insurance in the United States is written by: Answer:
Private stock and mutual companies.
⩥ Under a standardized NCCI workers' compensation policy, the
insurance company will pay to the insured, as part of any claim,
proceeding, or suit defended, all of the following expenses, EXCEPT:
Answer: Loss of earnings.
⩥ Homeowners policies cover all of the following, EXCEPT: Answer: A
2-family dwelling occupied by tenants who are renting the covered
premises from the named insured.
⩥ Gavin operates a small manufacturing plant and is covered under a
Commercial Property Business Income form. Under which of the
following scenarios will Gavin be covered? Answer: His loss of profit
while out of business as a result of a fire loss.
⩥ An insured has his home covered under Dwelling policies with three
different insurance companies. Company A provides 50% of the
coverage, Company B provides 45% of the coverage, and Company C
provides 5% of the coverage. When settling a claim for $10,000 worth
of damage to the dwelling, what will Company C pay? Answer: $500
