1|Page
New York State General Adjuster 17-70 EXAM ACTUAL
VERIFIED EXAM QUESTIONS AND CORRECT
DETAILED ANSWERS LATEST UPDATE THIS
YEAR.pdf||NEWEST EXAM!!!
When is a passenger first covered under an aircraft
policy? - Answer-When Entering the Aircraft.
If an insured takes precautionary measures to protect
property from flood damage such as creating a retaining
wall of sand bags, how much coverage if any, will be
provided by a flood policy? - Answer-$1,000 if the flood is
imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse?
- Answer-Basic, Broad, and Special.
______ is a movement allowed by certain joints of the
skeleton that decreases the angle between two adjoining
bones. - Answer-Flexion
The listing of the perils covered is found in which part of a
homeowner policy? - Answer-Insuring Agreement.
,2|Page
If a dog owned by a customer is injured in the parking lot
of a store, is that considered bodily injury under liability
coverage? - Answer-No. The dog is property and would be
consider property damage.
The Superintendent of Insurance may approve the
employment, appointment or participation of any person
whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing and
has waited over 120 days without a response from the
Insurance Department. What should or can she do? -
Answer-Assume the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his
car in the parking garage at the airport and leaves the
keys in the ignition. When he returns he finds that his car
has been stolen. Later the car was discovered with severe
collision damage. The airport carries Garagekeeper's
Legal Liability coverage and Mr. Vickers carries Liability
and Comprehensive coverage on his auto. What coverage
would apply? - Answer-Mr. Vickers comprehensive
coverage.
,3|Page
An automobile is polluting the environment. What engine
component could be the primary cause? - Answer-
Catalytic Converter Malfunction.
Under the dwelling policy, DP2 or D3, what is the
maximum amount of Coverage A that would be paid for
additional living expenses? - Answer-20%
Workers compensation policies also include employer's
liability coverage. If any employer fails to maintain the
equipment and an employee is injured, would it be
covered under this coverage? - Answer-Yes.
Fidelity bonds are typically written to be effective for a: -
Answer-Continuous term without an expiration date.
One purpose of a deductible is to: - Answer-Eliminate
small claims.
If the insured has failed to pay the premium for a worker
compensation policy issued in New York, how many days
notice of cancellation must be sent to the insured? -
Answer-A 10 day notice.
, 4|Page
A ship owner wanting coverage in case crew members
bring liability suits for injuries sustained while working
would purchase: - Answer-Protection and Indemnity
Under workers compensation in New York, which of the
following does not raise the premium based on it being a
proportion of the charged premium? - Answer-Premium
Discount.
What is an example of a moral hazard? - Answer-
Embezzlement
If an insured is responsible for damaging a client's million
dollar shipment of products, would this coverage be
covered by the commercial umbrella liability coverage
under BI and PD coverage? - Answer-Yes.
Dram Shop Liability refers to: - Answer-Liquor Law
Liability.
The insured has suffered a covered loss under his DP-3
dwelling form. He fails to protect the property from further
loss. The additional loss that occurs as a result of his
New York State General Adjuster 17-70 EXAM ACTUAL
VERIFIED EXAM QUESTIONS AND CORRECT
DETAILED ANSWERS LATEST UPDATE THIS
YEAR.pdf||NEWEST EXAM!!!
When is a passenger first covered under an aircraft
policy? - Answer-When Entering the Aircraft.
If an insured takes precautionary measures to protect
property from flood damage such as creating a retaining
wall of sand bags, how much coverage if any, will be
provided by a flood policy? - Answer-$1,000 if the flood is
imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse?
- Answer-Basic, Broad, and Special.
______ is a movement allowed by certain joints of the
skeleton that decreases the angle between two adjoining
bones. - Answer-Flexion
The listing of the perils covered is found in which part of a
homeowner policy? - Answer-Insuring Agreement.
,2|Page
If a dog owned by a customer is injured in the parking lot
of a store, is that considered bodily injury under liability
coverage? - Answer-No. The dog is property and would be
consider property damage.
The Superintendent of Insurance may approve the
employment, appointment or participation of any person
whose license has been revoked. Karen Jones had her
license revoked and filed an application for relicensing and
has waited over 120 days without a response from the
Insurance Department. What should or can she do? -
Answer-Assume the relicensing is approved.
Mr. Vickers was in a hurry to catch a plane. He parks his
car in the parking garage at the airport and leaves the
keys in the ignition. When he returns he finds that his car
has been stolen. Later the car was discovered with severe
collision damage. The airport carries Garagekeeper's
Legal Liability coverage and Mr. Vickers carries Liability
and Comprehensive coverage on his auto. What coverage
would apply? - Answer-Mr. Vickers comprehensive
coverage.
,3|Page
An automobile is polluting the environment. What engine
component could be the primary cause? - Answer-
Catalytic Converter Malfunction.
Under the dwelling policy, DP2 or D3, what is the
maximum amount of Coverage A that would be paid for
additional living expenses? - Answer-20%
Workers compensation policies also include employer's
liability coverage. If any employer fails to maintain the
equipment and an employee is injured, would it be
covered under this coverage? - Answer-Yes.
Fidelity bonds are typically written to be effective for a: -
Answer-Continuous term without an expiration date.
One purpose of a deductible is to: - Answer-Eliminate
small claims.
If the insured has failed to pay the premium for a worker
compensation policy issued in New York, how many days
notice of cancellation must be sent to the insured? -
Answer-A 10 day notice.
, 4|Page
A ship owner wanting coverage in case crew members
bring liability suits for injuries sustained while working
would purchase: - Answer-Protection and Indemnity
Under workers compensation in New York, which of the
following does not raise the premium based on it being a
proportion of the charged premium? - Answer-Premium
Discount.
What is an example of a moral hazard? - Answer-
Embezzlement
If an insured is responsible for damaging a client's million
dollar shipment of products, would this coverage be
covered by the commercial umbrella liability coverage
under BI and PD coverage? - Answer-Yes.
Dram Shop Liability refers to: - Answer-Liquor Law
Liability.
The insured has suffered a covered loss under his DP-3
dwelling form. He fails to protect the property from further
loss. The additional loss that occurs as a result of his
