New York General Adjuster 17-70 State Exam Prep
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Exam 2025 Test Bank
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Terms in this set (799)
An employee has been Employers non-ownership coverage. This coverage
asked to use his own protects the employer and not the employee. The
personal vehicle to employee is covered under his own PAP policy.
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?
Replacement without deduction for depreciation.With
Replacement cost
replacement cost coverage, the insured is permitted
coverage is best defined
to replace old with new at today's cost without a
as:
deduction for depreciation.
,Which of the following 1) All post-judgment interest in a suit defended by the
would be considered a insurer.
"supplementary payment" Supplementary payments do not include physical
coverage under a business damages, nor personal expenses of employees. The
auto policy? 1)All post- bail bonds would be covered except that Mexico is
judgment interest in a suit outside the coverage area.
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
Which of the following 4) None of the policies cover these acts.
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
,When securing a recorded 4 All responses listed are correct. The adjuster must
statement over the identify him or herself, state the date and time and get
telephone, an adjuster permission to record the statement.
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.
Uninsured Motorist Both I and II is correct.
coverage includes the Coverage C (Uninsured Motorists) provides for
named insured's: payments to or on behalf of the named insured for
I. Medical bills and pain injuries sustained through the negligence of an
and suffering. uninsured driver.
II. Lost wages.
$25 per day for one year.
Substitute services will Basic economic loss benefits will provide up to $25
provide: per day for substitute services for a maximum of one
year if the injured party is not gainfully employed.
, Which of the following is Denying a claim that is not covered is not a violation.
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
In case of a total loss in an I, II and III depending on the circumstances
automobile accident, the All the responses listed can be options in settling a
adjuster can do the total loss claim.
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.
Test Bank with 750 Recent Test Questions and
Correct Answers/ NY General Lines Adjuster State
Exam 2025 Test Bank
Save
Terms in this set (799)
An employee has been Employers non-ownership coverage. This coverage
asked to use his own protects the employer and not the employee. The
personal vehicle to employee is covered under his own PAP policy.
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?
Replacement without deduction for depreciation.With
Replacement cost
replacement cost coverage, the insured is permitted
coverage is best defined
to replace old with new at today's cost without a
as:
deduction for depreciation.
,Which of the following 1) All post-judgment interest in a suit defended by the
would be considered a insurer.
"supplementary payment" Supplementary payments do not include physical
coverage under a business damages, nor personal expenses of employees. The
auto policy? 1)All post- bail bonds would be covered except that Mexico is
judgment interest in a suit outside the coverage area.
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
Which of the following 4) None of the policies cover these acts.
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
,When securing a recorded 4 All responses listed are correct. The adjuster must
statement over the identify him or herself, state the date and time and get
telephone, an adjuster permission to record the statement.
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.
Uninsured Motorist Both I and II is correct.
coverage includes the Coverage C (Uninsured Motorists) provides for
named insured's: payments to or on behalf of the named insured for
I. Medical bills and pain injuries sustained through the negligence of an
and suffering. uninsured driver.
II. Lost wages.
$25 per day for one year.
Substitute services will Basic economic loss benefits will provide up to $25
provide: per day for substitute services for a maximum of one
year if the injured party is not gainfully employed.
, Which of the following is Denying a claim that is not covered is not a violation.
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
In case of a total loss in an I, II and III depending on the circumstances
automobile accident, the All the responses listed can be options in settling a
adjuster can do the total loss claim.
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.
