Insurance Licensing NY-Independent-General-Adjuster : NewYorkIndependent General Adjuster (Series 17-70)

NY-Independent-General-Adjuster real exams

Exam Code: NY-Independent-General-Adjuster

Exam Name: NewYorkIndependent General Adjuster (Series 17-70)

Updated: Sep 20, 2026

Q & A: 107 Questions and Answers

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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

SectionWeightObjectives
Personal Inland Marine13%- Personal Articles Floater
  • 1. Scheduled Personal Property
    - Personal Property Floater
    • 1. Coverage and Eligible Property
      - Personal Effects Floater
      • 1. Coverage and Loss Settlement
        Accident and Health Insurance Basics6%- Accident and Health Claims
        • 1. Investigation and Payment of Claims
          • 2. Notice and Proof of Loss
            - Limited Policies
            • 1. Hospital, Dental and Vision Coverage
              • 2. Accident-Only and Specified Disease
                - Types of Coverage
                • 1. Accidental Injury and Sickness
                  • 2. Disability, Medical and Long-Term Care
                    Dwelling Policy6%- Exclusions, Conditions and Endorsements
                    • 1. New York and Selected Endorsements
                      • 2. General Exclusions and Conditions
                        - Coverage Forms and Perils
                        • 1. Covered Perils
                          • 2. Basic, Broad and Special Forms
                            - Property Coverages
                            • 1. Dwelling and Other Structures
                              • 2. Personal Property and Loss of Use
                                Adjusting Losses11%- Role of the Adjuster
                                • 1. Independent, Staff and Public Adjusters
                                  • 2. Duties and Responsibilities
                                    - Property and Liability Losses
                                    • 1. Estimates, Depreciation and Salvage
                                      • 2. Coverage Verification and Loss Evaluation
                                        - Claim Investigation
                                        • 1. Claim Reporting and Documentation
                                          • 2. Evidence and Witness Statements
                                            - Claim Settlement
                                            • 1. Negotiation and Releases
                                              • 2. Subrogation, Appraisal and Arbitration
                                                Insurance Basics6%- Policy Structure
                                                • 1. Declarations, Conditions and Exclusions
                                                  • 2. Subrogation, Salvage and Loss Settlement
                                                    • 3. Limits, Deductibles and Other Insurance
                                                      - Insurance Principles
                                                      • 1. Hazards, Negligence and Liability
                                                        • 2. Causes and Valuation of Loss
                                                          • 3. Insurable Interest and Indemnity
                                                            - Insurance Contracts
                                                            • 1. Representations, Warranties and Concealment
                                                              • 2. Elements and Characteristics
                                                                Homeowners Policy10%- Property Coverages
                                                                • 1. Dwelling, Other Structures and Personal Property
                                                                  • 2. Loss of Use and Additional Coverages
                                                                    - Perils, Exclusions and Conditions
                                                                    • 1. Perils Insured Against
                                                                      • 2. Exclusions and Conditions
                                                                        - Coverage Forms
                                                                        • 1. HO-2 through HO-6
                                                                          • 2. HO-8
                                                                            - Liability Coverages
                                                                            • 1. Medical Payments to Others
                                                                              • 2. Personal Liability
                                                                                - Selected Endorsements
                                                                                • 1. Earthquake, Identity Fraud and Home Business
                                                                                  • 2. New York Special Provisions
                                                                                    Insurance Regulation6%- License Maintenance
                                                                                    • 1. Renewal and Changes
                                                                                      • 2. Assumed Names and Reporting
                                                                                        - Disciplinary Actions
                                                                                        • 1. Penalties and Cease and Desist Orders
                                                                                          • 2. Suspension and Revocation
                                                                                            - Licensing Requirements
                                                                                            • 1. Bond and Fingerprinting
                                                                                              • 2. Qualifications and Application
                                                                                                - Claim Settlement Regulations
                                                                                                • 1. Unfair Claim Practices
                                                                                                  • 2. Consumer Privacy
                                                                                                    Commercial Package Policy38%- Commercial Policy Components
                                                                                                    • 1. Common Policy Declarations
                                                                                                      • 2. Common Policy Conditions
                                                                                                        - Transportation Coverages
                                                                                                        • 1. Transit Coverage
                                                                                                          • 2. Common Carrier Legal Liability
                                                                                                            • 3. Motor Truck Cargo
                                                                                                              - Commercial Inland Marine
                                                                                                              • 1. Accounts Receivable and Valuable Papers
                                                                                                                • 2. Contractors Equipment and Installation Floaters
                                                                                                                  • 3. Jewelers Block, Signs and Electronic Data Processing
                                                                                                                    • 4. Marine Definition and Conditions
                                                                                                                      Medical Reports and Terminology4%- Injuries, Diseases and Medical Tests
                                                                                                                      • 1. Diagnostic Tests
                                                                                                                        • 2. Common Injuries and Diseases
                                                                                                                          - Basic Human Anatomy
                                                                                                                          • 1. Cardiovascular and Abdominal Systems
                                                                                                                            • 2. Skeletal, Nervous and Respiratory Systems
                                                                                                                              - Medical Terminology
                                                                                                                              • 1. Medical Specialties
                                                                                                                                • 2. Prefixes, Suffixes and Abbreviations

                                                                                                                                  Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions:

                                                                                                                                  Question #1

                                                                                                                                  Which of the following is an example of an unfair claim settlement practice?

                                                                                                                                  • A. Replacing a policy when it is in the best interest of the insured.
                                                                                                                                  • B. Disclosing the settlement terms and provisions of the contract of insurance.
                                                                                                                                  • C. Adopting and implementing standards to settle claims in a timely manner.
                                                                                                                                  • D. Delaying the settlement of claims submitted in which liability has become clear.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: D  🗳️

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                                                                                                                                  Question #2

                                                                                                                                  Which section of an insurance policy clarifies the meanings of certain terms used in the policy?

                                                                                                                                  • A. Declarations.
                                                                                                                                  • B. Definitions.
                                                                                                                                  • C. Insuring agreements.
                                                                                                                                  • D. Conditions.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: B  🗳️

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                                                                                                                                  Question #3

                                                                                                                                  The final step of the claims process usually involves which of the following?

                                                                                                                                  • A. The claims representative adjusts the initial reserves.
                                                                                                                                  • B. The claims representative submits the final claim payment report to the state insurance department.
                                                                                                                                  • C. The claims representative prepares a historical loss run for the insured at the time of final payment.
                                                                                                                                  • D. The claims representative and the insured discuss details of the loss valuation to agree on the amount the insurer will pay to settle the loss.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: D  🗳️

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                                                                                                                                  Question #4

                                                                                                                                  Under the Businessowners Policy (BOP), business income loss coverage begins after a covered loss has occurred and continues for a MAXIMUM of

                                                                                                                                  • A. 12 consecutive months.
                                                                                                                                  • B. 3 consecutive months.
                                                                                                                                  • C. 1 month.
                                                                                                                                  • D. 6 consecutive months.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: A  🗳️

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                                                                                                                                  Question #5

                                                                                                                                  The primary purpose of the Workers Compensation Special Disability Fund is to

                                                                                                                                  • A. encourage employers to hire workers with pre-existing disabilities.
                                                                                                                                  • B. provide funds for non-employment-related injuries.
                                                                                                                                  • C. compensate employees for second partial disability claims.
                                                                                                                                  • D. provide funds to employees with more than one injury.
                                                                                                                                  Reveal Solution  Discussion  0

                                                                                                                                  Correct Answer: A  🗳️

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