New York

Ace the New York P&C insurance exam on your first try with our 2025-updated prep package. This comprehensive guide includes two full-length practice exams simulating the real test, plus a total of 300 meticulously crafted practice questions. Every question comes with a detailed, verified answer that explains the "why" behind the concept, ensuring you learn the state-specific laws and fundamental principles—not just memorize answers. Build confidence and guarantee your success with the mo...

Ace the 2025 New York Adjuster Exam on your first try. This essential guide features the newest 300 actual practice questions with detailed, verified correct answers. Build confidence and master the material for the property, casualty, and state-specific regulations covered on the official licensing test.

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The New York Superintendent of Insurance is Appointed by the governor of New York The primary responsibility of the Superintendent of Insurance is Enforcing the state insurance laws and regulations. An independent adjuster A person who acts on behalf of an insurer in investigating and adjusting claims and/ or performing any duties required by the insurer. A public adjuster A person who acts on behalf of an insured in negotiating the settlement of certain claims for loss or damage to ...

Offering any return of premium, valuable consideration or inducement when purchasing an insurance policy is an example of: I. Illegal Inducement II. Rebating Under a watercraft or yacht policy how claims are settled: Actual cash value When may an insured sue an insurance company? Not until the insured has complied with all policy provisions and within the time limit specified in the state laws What is the definition of a non-resident agent? Someone licensed in their state and obtains a li...

Offering any return of premium, valuable consideration or inducement when purchasing an insurance policy is an example of: I. Illegal Inducement II. Rebating Under a watercraft or yacht policy how claims are settled: Actual cash value When may an insured sue an insurance company? Not until the insured has complied with all policy provisions and within the time limit specified in the state laws What is the definition of a non-resident agent? Someone licensed in their state and obtains...

The time limit on certain defenses under individual health policies in New York is: A 20 days B 3 years C 90 days D 2 years D 2 years The Superintendent may examine the books and records of any insurer based on the: A Permission of a producer B Authority granted by the state

Accelerated Benefits Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. Accidental Death Benefits A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. Accidental Death Insurance An insurance policy that provides payment if the insured's death is the result of an accident. Accumulation Period The time before an annui...

Pro Rata Liability Clause is included in an insurance policy to deal with the problem of Duplicate insurance policies The purpose of this clause is to illustrate the method to determine each insurer's liability in case of a loss. Each insurer pays its fair share determined by the percentage that the carrier's limit bears to the total coverage carried. pro rata liability If a loss occurs that is covered by more than 1 insurance policy that was purchased by the insured, then each policy ...

Dram Shop Liability refers to: 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? Neglect. To be eligible for the New York assigned risk auto plan a person must: Hold a valid driver's license. Any insurance adjuster whose license has been revoked for cause will not be entitled to ...