New York General Adjuster (10-70) Practice Test

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• What type of business cannot be covered under a BOP?
• When is a payment bond typically utilized?
• Who would be covered under homeowner medical payments?
• If found guilty of Federal Insurance fraud, who can permit a guilty individual to return to the insurance business?
• In property and casualty insurance, when must insurable interest exist for a loss to be covered?
• Under a commercial property policy, what must an insured do to be covered for the peril of freezing?
• What type of expenses does a medical expense policy generally cover?
• What forms a valid contract in insurance?
• What type of excess coverage is appropriate for claims above self-insured retention limits?
• Which following might be considered an exclusion under the BOP?
• What is the term for a joint position when it is bent at an extremity?
• Who is responsible for workers' compensation coverage for independent contractors?
• What is considered a ‘named peril’ in property insurance?
• If an insured severely damages their vehicle and rents a car for 11 days, how much would they be reimbursed under their physical damage coverage?
• How long does an insured have to submit medical payment claims under the homeowner medical payments coverage?
• Which coverage is specifically designed for injuries caused by hit-and-run drivers?
• What is a requirement for workers' compensation benefits?
• What is commonly included in supplementary payments under an auto policy?
• What does the employer's non-ownership coverage cover?
• Which of the following coverage types is related specifically to damages during the growing period?
• In workers’ compensation, how are benefits determined for an injured employee?
• What does the term "guaranteed renewable" mean in insurance?
• A commercial liability policy has a $600K aggregate limit and a $200,000 occurrence limit. After two claims of $300K and $200K, how much coverage is available if the insured company has a third claim?
• If an insured suffers a covered collision loss but is required by the insurer to use a specific repair shop, what is the insurer guilty of?
• Which of the following would be covered under the other than collision coverage of a personal auto policy?
• What does "reduced yield" signify in terms of crop insurance?
• For business auto liability coverage, how is the limit of liability applied?
• What does ERISA stand for?
• What is the limit for theft loss of jewelry under a homeowner policy?
• What is the maximum amount payable for bail bonds under a personal auto policy's supplementary payments?
• Which insurance is designed to manage risks associated with crop failure?
• Which type of business is most likely to need bailee coverage?
• Damage to a rental car is paid in New York under which of the following coverages?
• Which situation would prevent coverage for a rental car under a personal auto policy?
• What is one of the primary purposes of liability insurance?
• What happens if an insured opts for additional coverage beyond the basic limits in their policy?
• Who is not considered an "insured" under business auto liability coverage?
• If a room measures 16 feet by 12 feet with an 8-foot ceiling, what is the total square footage of the walls?
• Which of the following describes a financial guarantee bond?
• What does the term "ecchymosis" refer to?
• What type of bond is a payment bond classified as?
• What is not covered under specified cause of loss physical damage coverage under a commercial auto form?
• What classification of medical imaging uses sound waves to visualize structures?
• What is the reaction limit under a commercial umbrella policy?
• Which joint is specifically located at the wrist?
• Prior to the creation of the Multi-Peril Crop Insurance (MPCI) Program, which insurance was the most commonly sold to protect crops?
• On what date does an adjuster's license need to be renewed?
• What does named non-owner coverage provide insurance for?
• Which coverage applies to a rental car used by an insured executive while on vacation?
• What type of exposure cannot be gathered from air sampling tests?
• In crop insurance, what does the term "unit" refer to?
• Under a medical indemnity policy, which of the following is typically covered?
• Under the discovery condition loss sustained form, how long are losses covered after the bond has expired?
• Which insurance coverage generally handles accidental injuries on the premises for a homeowner?
• Which type of auto policy extends liability protection for driving a non-owned vehicle?
• What type of insurance coverage is often subject to additional regulation?
• Which of the following best describes a 'CGL policy'?
• What is the primary role of a claims adjuster?
• What is required to obtain an emergency adjuster's license in New York?
• What type of crop insurance coverage is typically available only in large agricultural states?
• What is the amount of bond that must be posted to obtain an adjuster's license?
• Which of the following is a common exclusion in commercial property insurance?
• In commercial auto insurance, how are med payments limits structured?
• What is the primary reason for the New York financial responsibility law?
• Under the workers comp endorsement available under the 2000 HO forms, how can resident employees be covered?
• If an insured experiences a burst water line and incurs a bill for the lost water, what will the insurer do under an HO-2 homeowner form?
• Who would not be covered under an aircraft liability policy with passenger coverage excluded?
• What is the primary test used to determine anemia?
• What adjusting technique involves submitting a claim for review by two or more adjusters?
• What does proximate cause refer to in insurance?
• Which group is covered under the Federal Employees Compensation Act?
• If an adjuster's license is revoked, how long must the individual wait to reapply?
• Which claims are typically covered under a Commercial General Liability (CGL) policy?
• Which of the following actions is an appraiser prohibited from performing?
• A farmer accidentally libeled a neighboring farmer by claiming that the neighbor's dairy products are inferior. This is an example of what type of incident?
• What is typically required to effectively visualize soft tissue injuries in the human body?
• What is the primary purpose of a declaratory judgment in insurance?
• Which of the following businesses is eligible for a Businessowners Policy (BOP)?
• Which of the following is not eligible for a homeowner policy?
• What would be a reason for an insurance company to deny coverage under a self-funded plan?
• What is typically covered under employer's liability insurance?
• In the context of insurance, what do supplemental payments often cover?
• True or False: Crime/computer fraud coverage applies when a perpetrator uses false electronic instructions to remove funds from the insured's bank account.
• Which imaging technique is primarily used to determine if a bone is broken or fractured?
• What does the prefix 'osteo' refer to in medical terminology?
• True or False: A temporary employee who substitutes for a permanent employee on leave is considered a resident employee under HO 2000 forms.
• In which situation would a loud warning signal not suffice for safety in insurance terms?
• What does "subrogation" allow an insurance company to do?
• What does the "liability" in liability insurance primarily cover?
• What does the prefix "below" imply in medical terminology?
• Under what circumstances would an insurance company request a declaratory judgment from a court?
• What type of coverage does a heating and cooling contractor need upon completing work on a newly renovated building that has not yet been accepted by the owner?
• Under the appraisal clause, if the appraisers cannot agree on an umpire, who can make the decision?
• Which term describes something that is lateral to the center of the body?
• For a 10-foot-long row of shingles that are each 5 inches wide, how many shingles will be needed?
• What does the term "Occurrence" mean in the context of Liability Insurance?
• What type of workers' compensation coverage applies if an injured employee's spouse brings a wrongful death suit against the employer?
• A workers' compensation contract is typically between which two parties?
• If a business self-insures its risks, what term describes the insurance claims that exceed their self-insured limit?
• Who has the responsibility to ensure that a ship is seaworthy?
• What does "luxation" refer to in medical terminology?
• Which of the following policies is likely to provide a flat dollar amount for covered services?
• Which coverage typically provides the highest limit for an insured's rentals?
• What is the deductible that applies when the underlying coverage does not apply but the umbrella coverage does?
• What type of damage does the no-fault coverage primarily provide?
• Under supplementary payments of a Commercial General Liability (CGL) policy, what is one specific limit that is provided for bail bonds?
• Worldwide coverage applies to a product as long as what conditions are met?
• Under the New York no-fault plan, what is the purpose of the $50,000 limit?
• What does making incorrect or false statements in company records potentially violate?
• Which of the following is NOT typically a part of an insurance policy?
• Which type of physical damage loss is not covered under a business auto policy?
• Which vertebra is comprised of five fused vertebrae?
• What type of vehicle is specifically excluded in named non-owner coverage?
• Under the HO 2000 forms, how is a cemetery lot categorized?
• Which of the following types of claims would an HO-2 policy typically provide coverage for?
• Which coverage allows for additional financial losses incurred due to a covered peril?
• Under the BOP, how many years can the insurer request the insured's books and records?
• Which of the following is NOT an unfair claim settlement act?
• What does Crop Insurance provide coverage for?
• What type of vehicle is typically covered for liability using a homeowner policy?
• In anatomy, what term best describes the area where two bones meet?
• What limitation does crop insurance typically place on its coverage?
• What is the typical coverage period for crop insurance policies?
• Who may terminate a fidelity bond?
• Where in an insurance contract would you typically find the responsibilities of the insured?
• What are the supplemental payments in addition to policy limits typically intended for?
• When does Uninsured Motorist's coverage apply?
• What type of evidence is only available for a short period after a claim has been made?
• What is the purpose of a utilization review in a hospital setting?
• What type of coverage is provided for an insured farmer who unknowingly disparages another farmer's crops?
• What is the maximum limit for medical expenses and rehabilitation expenses under the New York no-fault plan?
• Which of the following would not be a prospect for errors and omissions insurance?
• Which personal insurance policy covers, without endorsement, both personal property and personal liability coverages?
• Under the New York no-fault coverage, which condition would not allow the insured to sue for their injuries?
• What are the Financial Responsibility limits in the State of NY?
• What type of coverage would a heating and cooling contractor need when work has been completed on a newly renovated building but not yet accepted by the owner?
• Which term is used to describe the failure to act as a reasonably prudent person would?
• What is the medical term for the knee cap?
• In New York, must uninsured motorist coverage be?
• Failing to acknowledge communications regarding claims arising out of the insurer's policies is an example of what?
• Which coverage type excludes damages caused by water back up?
• What is the term for the amount an insured must pay when underlying coverage does not cover a claim under an umbrella policy?
• What is the term for when an insured's company pays for their repairs after being hit by another vehicle and seeks reimbursement from that vehicle's driver?
• When an insured purchases Opt Basic Economic Loss coverage (OBEL), what type of loss cannot be covered?
• Under a commercial auto policy providing physical damage, which option offers the broadest coverage?
• What procedure allows direct visualization of internal structures using a fiber optic scope?
• Which form of medical imaging uses magnetic fields to create detailed images of the body's internal structures?
• What defines a comprehensive loss in an auto insurance context?
• What can result from an adjuster failing to provide a timely response to a claim?
• Under what circumstances would the liability section of the homeowner policy cover an inboard motorboat owned by the insured?
• Under the new 2000 homeowner forms, how is "collapse" defined?
• Who is typically not eligible for medical payments coverage under a homeowners policy?
• What type of commercial crime coverage provides coverage when money and/or securities are carried off the insured's premises?
• In the case of a simple first-party loss, what type of report could serve as both the initial claims report and the final report?
• How are crop insurance limits typically written?
• What does indemnity in insurance refer to?
• Which procedure allows one to view inside a joint?
• What is the purpose of an 'installation floater' in insurance?
• What is a common benefit of a medical expense policy?
• What would not typically be a cause for a homeowners policy claim?
• How many years must a business operate to qualify as a self-insurer for worker's compensation?
• What do we call a person that takes a blank deposit to a bank in relation to crime insurance?
• Which of the following best defines liability insurance?
• Which of the following would require an adjustment in an insurance policy?
• In a business auto policy, which coverage is triggered during vehicle-related incidents that involve business use?
• What anatomical structure attaches muscle to bone?
• When can the Superintendent of Insurance revoke an adjuster's license?
• What must all admitted auto insurers selling auto insurance in New York do?
• In medical terms, what does "osis" refer to?
• When can excess lines insurance be written?
• Which vehicle is eligible for coverage under the business auto coverage part?
• Injuries to which type of vertebra can lead to paralysis?
• What imaging technique shows detailed cross sections of tissue?
• What does the self-funded plan provide in terms of insurance coverage?
• What is true regarding the specific excess insurance?
• Is medical payments coverage automatically provided under business auto coverage?
• When replacing a medical expense policy, what key information must be disclosed?
• Which of the following statements concerning fraud in insurance is true?
• Is negligence required to be established under no-fault auto insurance?
• What is a common theme in personal injury coverage related to advertising?
• Which type of medical insurance is regulated by ERISA?
• What type of loss is represented when a tree falls on the insured's vehicle?
• What is the term for when a ligament is torn away from bone?
• Under the new 2000 HO forms, how much will be paid under claims expense for loss of earnings to assist the insurer in the investigation or defense of a claim?
• Which coverage would apply if an insured is involved in an accident with a hit and run driver?
• Which imaging technique is used to visualize a fractured bone?
• In property insurance, what does ‘actual cash value’ refer to?
• Which of the following is not covered under the Jones Act?
• Which type of coverage is designed to protect against underinsured motorists?
• In the promulgation of workers' compensation rates, which factor is involved in the calculation of rates?
• If an insured owns a motor home not covered by their personal auto policy, which endorsement can be used to add this vehicle to the policy?
• Which type of coverage would protect against losses due to employee theft?
• What type of coverage applies when an employee uses their personal vehicle for work-related tasks?
• Which of the following is not considered a covered auto?
• What is the statute of limitations for a maritime injury suit under the Jones Act?
• Under workers' compensation medical payments, benefits are paid for what duration?
• How many days can a building be vacant under a BOP and still be fully covered?
• Who has the authority to grant licenses to adjusters?
• Which personal auto endorsement is necessary for two individuals living in the same household who jointly own a private passenger vehicle?
• Under a personal auto policy, which individual is excluded from coverage for bodily injury while transporting passengers for a fee?
• What is the definition of collapse under HO forms?
• If shingles are 5 inches wide, how many shingles are needed for a 10-foot-long row?
• What is excluded from coverage under a personal auto policy?
• What does subrogation in an insurance context mean?
• Which condition would impact the validity of a passenger's claim under an excluded coverage policy?
• Which of the following is not considered an occupational disease?
• What type of policy is needed for an individual who does not own a vehicle but regularly drives one?
• In a personal auto policy, after a vehicle is stolen, how long is the waiting period for transportation expenses reimbursement?
• What coverage applies when the insured is injured by another driver with less coverage than the injuries sustained?
• When does crop insurance coverage typically activate?
• Which vehicle type is not eligible for coverage under a personal auto policy?
• What is typically a requirement for obtaining liability coverage for a business vehicle?
• What is a primary function of Multi-Peril Crop Insurance?
• Which of the following would be covered under the HO policy of liability?
• What type of coverage should be obtained to cover claims that exceed the per occurrence limit in a self-insured workers' compensation plan?
• What does the clause "particular average" in ocean marine policy indicate?
• Which of the following would typically NOT cover a heart attack under workers' compensation?
• What is the death benefit under the New York no-fault plan?
• What is the primary purpose of liability coverage in insurance policies?
• Which type of coverage does an HO-5 form provide for dwellings and their contents?
• If an insured carries aircraft liability coverage with "admitted aircraft liability," who negotiates payment of a claim if a passenger is injured in an accident?
• What is a requirement for obtaining an adjuster's license in New York?
• Does the personal auto policy cover bodily injury resulting from the operation of a pickup used for farming?
• Which of the following applies under CGL coverage part as related to liability coverage?