NY INDEPENDENT GENERAL
ADJUSTER EXAM QUESTIONS AND
ANSWERS. VERIFIED 2025/2026.
Dram Shop Liability refers to: - ANS 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 inactions may be
denied because of what clause in the policy? - ANS Neglect.
To be eligible for the New York assigned risk auto plan a person must: - ANS Hold a valid
driver's license.
Any insurance adjuster whose license has been revoked for cause will not be entitled to apply
for any other insurance license in New York until at least: - ANS One Year.
A typical benefit design for a long term care policy does not include a: - ANS Conditionally or
optionally renewability feature.
In New York the workers compensation program is administered by the Workers Compensation
Board which establishes guidelines for the program. Notice of injury or death to a worker is
required to be submitted to the employer within what period of time? - ANS 30 Days.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
,A common carrier is not held liable for the loss of a shipper's goods when the loss results from: -
ANS An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty individual to return to
the insurance business? - ANS Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? - ANS 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? - ANS $1,000 if the flood is imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? - ANS Basic, Broad, and Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle
between two adjoining bones. - ANS Flexion
The listing of the perils covered is found in which part of a homeowner policy? - ANS Insuring
Agreement.
If a dog owned by a customer is injured in the parking lot of a store, is that considered bodily
injury under liability coverage? - ANS 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of any person whose license has been revoked.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? - ANS Assume the relicensing is approved.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
, 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? - ANS Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be the primary
cause? - ANS 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? - ANS 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? - ANS Yes.
Fidelity bonds are typically written to be effective for a: - ANS Continuous term without an
expiration date.
One purpose of a deductible is to: - ANS 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? - ANS A 10 day
notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries sustained
while working would purchase: - ANS Protection and Indemnity
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
ADJUSTER EXAM QUESTIONS AND
ANSWERS. VERIFIED 2025/2026.
Dram Shop Liability refers to: - ANS 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 inactions may be
denied because of what clause in the policy? - ANS Neglect.
To be eligible for the New York assigned risk auto plan a person must: - ANS Hold a valid
driver's license.
Any insurance adjuster whose license has been revoked for cause will not be entitled to apply
for any other insurance license in New York until at least: - ANS One Year.
A typical benefit design for a long term care policy does not include a: - ANS Conditionally or
optionally renewability feature.
In New York the workers compensation program is administered by the Workers Compensation
Board which establishes guidelines for the program. Notice of injury or death to a worker is
required to be submitted to the employer within what period of time? - ANS 30 Days.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
,A common carrier is not held liable for the loss of a shipper's goods when the loss results from: -
ANS An Act of God.
If one is found guilty of federal insurance fraud, who can permit the guilty individual to return to
the insurance business? - ANS Only an insurance regulatory official.
When is a passenger first covered under an aircraft policy? - ANS 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? - ANS $1,000 if the flood is imminent and the property is in danger of flooding.
Which Commercial Forms would cover sinkhole collapse? - ANS Basic, Broad, and Special.
______ is a movement allowed by certain joints of the skeleton that decreases the angle
between two adjoining bones. - ANS Flexion
The listing of the perils covered is found in which part of a homeowner policy? - ANS Insuring
Agreement.
If a dog owned by a customer is injured in the parking lot of a store, is that considered bodily
injury under liability coverage? - ANS 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? - ANS Assume the relicensing is approved.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
, 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? - ANS Mr. Vickers comprehensive coverage.
An automobile is polluting the environment. What engine component could be the primary
cause? - ANS 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? - ANS 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? - ANS Yes.
Fidelity bonds are typically written to be effective for a: - ANS Continuous term without an
expiration date.
One purpose of a deductible is to: - ANS 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? - ANS A 10 day
notice.
A ship owner wanting coverage in case crew members bring liability suits for injuries sustained
while working would purchase: - ANS Protection and Indemnity
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
