NEW YORK STATE GENERAL ADJUSTER 17-70 EXAM
750 QUESTIONS & CORRECT ANSWERS LATEST 2025
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? - 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: - 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 - 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 - 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. - 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. - 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: - 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 -
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. -
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 - 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 - 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 - 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.
750 QUESTIONS & CORRECT ANSWERS LATEST 2025
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? - 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: - 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 - 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 - 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. - 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. - 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: - 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 -
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. -
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 - 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 - 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 - 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.
