NEW YORK ADJUSTER EXAM QUESTIONS
WITH COMPLETE SOLUTIONS 100
PERCENT CORRECT AND VERIFIED
ALREADY PASSED ACTUAL EXAMINATION
PAPER 2026 QUESTIONS WITH ANSWERS
GRADED A+
⩥ Which of the following are exempt from certain sections of the New
York cybersecurity regulation? Answer: All responses listed are correct..
⩥ Danny owns an auto body shop and he has received a request from a
client to restore his 1964 Ford Mustang. The client has requested a
custom mustang horse be painted on the hood of the car. Danny always
selects the type of paint most suited for the job, so which of the
following paint types will Danny most likely select to paint the horse?
Answer: Lacquer
⩥ The root word "glyc" refers to: Answer: Sugar.
⩥ If any person engages in activities in violation of the Federal
Insurance Fraud and False Statements regulation, he or she may be
subject to which of the following? Answer: A civil penalty of not more
than $50,000..
,⩥ What commercial auto form is used to cover taxis and bus companies
Answer: Motor carrier form.
⩥ Tom has lost 30% of his hearing in both ears. His doctor has advised
him that his hearing loss has been caused by exposure to noise at his
workplace for the past 25 years. Tom's hearing loss can be catoragized as
a: Answer: Cumulative Trauma Disorder.
⩥ Tearing of a muscle results in an injury known as a: Answer: strain
⩥ In commercial auto physical damage coverage, what "triggers" the
coverage that applies to the vehicles? Answer: Symbols
⩥ How would an insured's PAP coverage apply when renting a private
passenger auto while on vacation when they have purchased insurance
coverage from the rental company? Answer: The insured's PAP provides
excess liability coverage when the insured drives non-owned autos. .
⩥ Which of the following statements is true regarding the business auto
policy Answer: One or more of ten symbols triggers coverage.
⩥ Under the New York cybersecurity regulation, each covered entity
must maintain documentation supporting certification of compliance
with the regulation for: Answer: 5 years
,⩥ The root word "stomat" refers to Answer: Mouth
⩥ What is the purpose of "other states insurance" under a Workers
Compensation policy? Answer: To provide coverage for exposures
which develop in other states during the policy period .
⩥ After receiving a blow to the head, Alex is released from the hospital
after a few hours and told to rest and resume normal activity in 3-4 days.
Alex has suffered a brain injury known as: Answer: Concussion
⩥ When an insurer intends to non-renew a homeowners policy in New
York, at least _____ advance notice of non-renewal must be sent to the
insured Answer: 45 days
⩥ The type of auto body frame that is most often used in today's
automobile and is a single molded unit, is known as: Answer: A unibody
frame..
⩥ Jim Johnson has an automobile policy with a combined single limit of
$50,000. He has an at-fault accident and incurs the following expenses:
$30,000 bodily injury judgment; $30,000 property damage judgment;
$5,000 damage to traffic light; $6,000 attorney's fees for his defense;
$300 in premiums for appeal bond; and $75 in bail bond premiums for
related traffic violations. What is the maximum amount his insurance
company will pay? Answer: $56,375. The policy cannot pay more than
its limit of liability. Under supplemental coverages in the policy, the
, policy will pay the defense costs plus the cost of the premiums on appeal
bonds and bail bonds.
⩥ Before revoking or suspending a license, the Superintendent must first
send _____ notice and give the accused an opportunity for a hearing.
Answer: 10 days.
⩥ Mr. York had his pickup truck stolen while it was parked in a "no
parking" zone outside his office. The value of the truck was $18,500. In
addition, tools valued at $200, extra tires and hubcaps for the truck
valued at $550 and a tarp worth $50 were in the truck. Mr. York has a
collision deductible of $500 and a comprehensive deductible of $250.
The insurance company will pay what amount Answer: $18,800. The
loss of the truck plus the extra tires and hubcaps would be considered in
this claim. These total $19,050 less the deductible of $250 equals
$18,800.
⩥ Which of the following are covered by the Federal Employers'
Liability Act (FELA)? Answer: Employees of interstate railroads.
⩥ Garagekeepers specified causes of loss coverage would apply to each
of the following, EXCEPT: Answer: Windstorm.
⩥ Which of the following lines of insurance are covered under the
Terrorism Risk Insurance Act, now referred to as the Terrorism Risk
Insurance Extension Act of 2015? Answer: Workers compensation
WITH COMPLETE SOLUTIONS 100
PERCENT CORRECT AND VERIFIED
ALREADY PASSED ACTUAL EXAMINATION
PAPER 2026 QUESTIONS WITH ANSWERS
GRADED A+
⩥ Which of the following are exempt from certain sections of the New
York cybersecurity regulation? Answer: All responses listed are correct..
⩥ Danny owns an auto body shop and he has received a request from a
client to restore his 1964 Ford Mustang. The client has requested a
custom mustang horse be painted on the hood of the car. Danny always
selects the type of paint most suited for the job, so which of the
following paint types will Danny most likely select to paint the horse?
Answer: Lacquer
⩥ The root word "glyc" refers to: Answer: Sugar.
⩥ If any person engages in activities in violation of the Federal
Insurance Fraud and False Statements regulation, he or she may be
subject to which of the following? Answer: A civil penalty of not more
than $50,000..
,⩥ What commercial auto form is used to cover taxis and bus companies
Answer: Motor carrier form.
⩥ Tom has lost 30% of his hearing in both ears. His doctor has advised
him that his hearing loss has been caused by exposure to noise at his
workplace for the past 25 years. Tom's hearing loss can be catoragized as
a: Answer: Cumulative Trauma Disorder.
⩥ Tearing of a muscle results in an injury known as a: Answer: strain
⩥ In commercial auto physical damage coverage, what "triggers" the
coverage that applies to the vehicles? Answer: Symbols
⩥ How would an insured's PAP coverage apply when renting a private
passenger auto while on vacation when they have purchased insurance
coverage from the rental company? Answer: The insured's PAP provides
excess liability coverage when the insured drives non-owned autos. .
⩥ Which of the following statements is true regarding the business auto
policy Answer: One or more of ten symbols triggers coverage.
⩥ Under the New York cybersecurity regulation, each covered entity
must maintain documentation supporting certification of compliance
with the regulation for: Answer: 5 years
,⩥ The root word "stomat" refers to Answer: Mouth
⩥ What is the purpose of "other states insurance" under a Workers
Compensation policy? Answer: To provide coverage for exposures
which develop in other states during the policy period .
⩥ After receiving a blow to the head, Alex is released from the hospital
after a few hours and told to rest and resume normal activity in 3-4 days.
Alex has suffered a brain injury known as: Answer: Concussion
⩥ When an insurer intends to non-renew a homeowners policy in New
York, at least _____ advance notice of non-renewal must be sent to the
insured Answer: 45 days
⩥ The type of auto body frame that is most often used in today's
automobile and is a single molded unit, is known as: Answer: A unibody
frame..
⩥ Jim Johnson has an automobile policy with a combined single limit of
$50,000. He has an at-fault accident and incurs the following expenses:
$30,000 bodily injury judgment; $30,000 property damage judgment;
$5,000 damage to traffic light; $6,000 attorney's fees for his defense;
$300 in premiums for appeal bond; and $75 in bail bond premiums for
related traffic violations. What is the maximum amount his insurance
company will pay? Answer: $56,375. The policy cannot pay more than
its limit of liability. Under supplemental coverages in the policy, the
, policy will pay the defense costs plus the cost of the premiums on appeal
bonds and bail bonds.
⩥ Before revoking or suspending a license, the Superintendent must first
send _____ notice and give the accused an opportunity for a hearing.
Answer: 10 days.
⩥ Mr. York had his pickup truck stolen while it was parked in a "no
parking" zone outside his office. The value of the truck was $18,500. In
addition, tools valued at $200, extra tires and hubcaps for the truck
valued at $550 and a tarp worth $50 were in the truck. Mr. York has a
collision deductible of $500 and a comprehensive deductible of $250.
The insurance company will pay what amount Answer: $18,800. The
loss of the truck plus the extra tires and hubcaps would be considered in
this claim. These total $19,050 less the deductible of $250 equals
$18,800.
⩥ Which of the following are covered by the Federal Employers'
Liability Act (FELA)? Answer: Employees of interstate railroads.
⩥ Garagekeepers specified causes of loss coverage would apply to each
of the following, EXCEPT: Answer: Windstorm.
⩥ Which of the following lines of insurance are covered under the
Terrorism Risk Insurance Act, now referred to as the Terrorism Risk
Insurance Extension Act of 2015? Answer: Workers compensation
