NY General Adjuster Test (10-70) 2025
Questions and Answers
12/1 - even numbered yrs - --Answer --On what date does an adjuster's
license need to be renewed?
$1,000 - --Answer --What is the amount of bond that must be posted to
obtain and adjuster's license?
Not until hearing held - --Answer --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 - --Answer --Failing to acknowledge
within a reasonable time, communications w/ respect to claims arising out of the
insurer's policies
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,An ins regulatory official such as Superintendent of Insurance - --Answer --
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 - --Answer --What is the
reason for the NY financial responsibility law?
Is a mandatory coverage - --Answer --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 - --Answer --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? - --Answer --All admitted auto
insurers selling auto insurance in NY
Covers the employer when the employee is using their vehicle on company
business. - --Answer --What does the employer's non-ownership coverage
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, cover?Covers the employer when the employee is using their vehicle on company
business.
Pain & Suffering - --Answer --Which is not covered under worker's comp
coverage?
a. med expenses b. pain & suffering c. loss of wages d. funeral expenses
The court - --Answer --Who makes a declaratory judgment as to the merits
of a claim?
a. claims adj b. insurer attorney c. court d. claimants attorney
Vicarious - --Answer --What type of liability does an employer assume
through their employees? a. primary b. contingent c. vicarious d. no fault
The insuring agreement - --Answer --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 - --Answer --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
Definition of consideration - --Answer --Something that has value in the
eyes of the law in which a promise receives something in return for a promise
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
Questions and Answers
12/1 - even numbered yrs - --Answer --On what date does an adjuster's
license need to be renewed?
$1,000 - --Answer --What is the amount of bond that must be posted to
obtain and adjuster's license?
Not until hearing held - --Answer --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 - --Answer --Failing to acknowledge
within a reasonable time, communications w/ respect to claims arising out of the
insurer's policies
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,An ins regulatory official such as Superintendent of Insurance - --Answer --
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 - --Answer --What is the
reason for the NY financial responsibility law?
Is a mandatory coverage - --Answer --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 - --Answer --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? - --Answer --All admitted auto
insurers selling auto insurance in NY
Covers the employer when the employee is using their vehicle on company
business. - --Answer --What does the employer's non-ownership coverage
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, cover?Covers the employer when the employee is using their vehicle on company
business.
Pain & Suffering - --Answer --Which is not covered under worker's comp
coverage?
a. med expenses b. pain & suffering c. loss of wages d. funeral expenses
The court - --Answer --Who makes a declaratory judgment as to the merits
of a claim?
a. claims adj b. insurer attorney c. court d. claimants attorney
Vicarious - --Answer --What type of liability does an employer assume
through their employees? a. primary b. contingent c. vicarious d. no fault
The insuring agreement - --Answer --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 - --Answer --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
Definition of consideration - --Answer --Something that has value in the
eyes of the law in which a promise receives something in return for a promise
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
