NY GENERAL ADJUSTER TEST (10-70)
EXAM 2025 QUESTIONS AND ANSWERS
12/1 - even numbered yrs - ANS On what date does an adjuster's license need to be
renewed?
$1,000 - ANS What is the amount of bond that must be posted to obtain and adjuster's
license?
Not until hearing held - ANS When can the Superintendent of Insurance revoke an adjuster's
license?
a. anytime b. by sending a 30 day notice of the renovation c. not until a hearing is held d. When
proof of offense has been received
Example of unfair claim settlement act - ANS Failing to acknowledge within a reasonable
time, communications w/ respect to claims arising out of the insurer's policies
An ins regulatory official such as Superintendent of Insurance - ANS If found guilty of Fed
Insurance fraud, who can permit a guilty individual to return to the insurance business?
a. federal official b. no one since this is federal offense c.an ins regulatory official i.e. Super of
Ins d. only court of law after proper hearing
To provide some form of compulsory insurance - ANS What is the reason for the NY financial
responsibility law?
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,Is a mandatory coverage - ANS In NY must uninsured motorist coverage: a. is optional b.
mandatory c. doesn't require sign off for > limits d. doesn't cover "hit & run" drivers
The insured's property damage coverage - ANS Damage to a rental car is paid in NY under
which of the following coverages: a. insured's physical damage b. property damage covg c.
special endorsement d. must be purchased from rental agency
Who must belong to the assigned risk plan? - ANS All admitted auto insurers selling auto
insurance in NY
Covers the employer when the employee is using their vehicle on company business. -
ANS What does the employer's non-ownership coverage cover?Covers the employer when
the employee is using their vehicle on company business.
Pain & Suffering - ANS Which is not covered under worker's comp coverage?
a. med expenses b. pain & suffering c. loss of wages d. funeral expenses
The court - ANS Who makes a declaratory judgment as to the merits of a claim?
a. claims adj b. insurer attorney c. court d. claimants attorney
Vicarious - ANS What type of liability does an employer assume through their employees? a.
primary b. contingent c. vicarious d. no fault
The insuring agreement - ANS What part of the policy contains the promises made by the
insurance company to the insured? a. conditions clause b. definitions c. exceptions to
exclusions d. insuring agreement
At the time of the loss - ANS In property & casualty insurance, when must a person
absolutely have an insurable interest? a. time of app completion b. time of loss c. at any time d.
insuring agreement
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, Definition of consideration - ANS Something that has value in the eyes of the law in which a
promise receives something in return for a promise
Aleatory - ANS The promise by one party that is conditioned on a fortuitous event and the
values given by the parties are unequal is called?
a. executory b. aleatory c. speculation d. a static risk
Violent act that is dangerous to human life and property - ANS What constitutes an act of
terrorism
Losses over $5,000,000 - ANS How much property and casualty los must be sustained to be
considered an act of terrorism to be covered by the Terrorism Risk Insurance Act of 2002
Act of terrorism & covered under Terrorism Risk Act of 2002, act must be committed by? -
ANS Individual(s) acting on behalf of any foreign person or interest in an effort to coerce the
civilian pop. of USA
A friend helping insured lay carpet - ANS Who would be covered under homeowner med
payments?
a. friend helping insured lay carpet b. foreign exchange student living w/ insured c. tenant of
insured's residence d. son of insured bitten by family dog
Homeowner policy - ANS Which personal insurance policy covers w/out endorsement, both
personal property & personal liability coverages?
a. DP-3 form b. personal articles floater c. homeowner policy d. personal property floater
An abrupt falling down or caving in of the structure - ANS Under new 2000 homeowner
forms, what is definition of collapse?
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EXAM 2025 QUESTIONS AND ANSWERS
12/1 - even numbered yrs - ANS On what date does an adjuster's license need to be
renewed?
$1,000 - ANS What is the amount of bond that must be posted to obtain and adjuster's
license?
Not until hearing held - ANS When can the Superintendent of Insurance revoke an adjuster's
license?
a. anytime b. by sending a 30 day notice of the renovation c. not until a hearing is held d. When
proof of offense has been received
Example of unfair claim settlement act - ANS Failing to acknowledge within a reasonable
time, communications w/ respect to claims arising out of the insurer's policies
An ins regulatory official such as Superintendent of Insurance - ANS If found guilty of Fed
Insurance fraud, who can permit a guilty individual to return to the insurance business?
a. federal official b. no one since this is federal offense c.an ins regulatory official i.e. Super of
Ins d. only court of law after proper hearing
To provide some form of compulsory insurance - ANS What is the reason for the NY financial
responsibility law?
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 1
,Is a mandatory coverage - ANS In NY must uninsured motorist coverage: a. is optional b.
mandatory c. doesn't require sign off for > limits d. doesn't cover "hit & run" drivers
The insured's property damage coverage - ANS Damage to a rental car is paid in NY under
which of the following coverages: a. insured's physical damage b. property damage covg c.
special endorsement d. must be purchased from rental agency
Who must belong to the assigned risk plan? - ANS All admitted auto insurers selling auto
insurance in NY
Covers the employer when the employee is using their vehicle on company business. -
ANS What does the employer's non-ownership coverage cover?Covers the employer when
the employee is using their vehicle on company business.
Pain & Suffering - ANS Which is not covered under worker's comp coverage?
a. med expenses b. pain & suffering c. loss of wages d. funeral expenses
The court - ANS Who makes a declaratory judgment as to the merits of a claim?
a. claims adj b. insurer attorney c. court d. claimants attorney
Vicarious - ANS What type of liability does an employer assume through their employees? a.
primary b. contingent c. vicarious d. no fault
The insuring agreement - ANS What part of the policy contains the promises made by the
insurance company to the insured? a. conditions clause b. definitions c. exceptions to
exclusions d. insuring agreement
At the time of the loss - ANS In property & casualty insurance, when must a person
absolutely have an insurable interest? a. time of app completion b. time of loss c. at any time d.
insuring agreement
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 2
, Definition of consideration - ANS Something that has value in the eyes of the law in which a
promise receives something in return for a promise
Aleatory - ANS The promise by one party that is conditioned on a fortuitous event and the
values given by the parties are unequal is called?
a. executory b. aleatory c. speculation d. a static risk
Violent act that is dangerous to human life and property - ANS What constitutes an act of
terrorism
Losses over $5,000,000 - ANS How much property and casualty los must be sustained to be
considered an act of terrorism to be covered by the Terrorism Risk Insurance Act of 2002
Act of terrorism & covered under Terrorism Risk Act of 2002, act must be committed by? -
ANS Individual(s) acting on behalf of any foreign person or interest in an effort to coerce the
civilian pop. of USA
A friend helping insured lay carpet - ANS Who would be covered under homeowner med
payments?
a. friend helping insured lay carpet b. foreign exchange student living w/ insured c. tenant of
insured's residence d. son of insured bitten by family dog
Homeowner policy - ANS Which personal insurance policy covers w/out endorsement, both
personal property & personal liability coverages?
a. DP-3 form b. personal articles floater c. homeowner policy d. personal property floater
An abrupt falling down or caving in of the structure - ANS Under new 2000 homeowner
forms, what is definition of collapse?
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 3
