[Oct-2026] Get 100% Real NY-Independent-General-Adjuster Exam Questions, Accurate & Verified Actualtests4sure Dumps in the Real Exam! [Q64-Q87]

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[Oct-2026] Get 100% Real NY-Independent-General-Adjuster Exam Questions, Accurate & Verified Actualtests4sure Dumps in the Real Exam!

Pass Your New York Insurance Exams Fast. All Top NY-Independent-General-Adjuster Exam Questions Are Covered.

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

Section	Weight	Objectives
Topic 1: Claims Investigation & Adjusting Procedures	20%	– Claim intake, notice of loss, and initial investigation – Evidence gathering, coverage analysis, and policy interpretation – Loss valuation, damage assessment, and estimating – Settlement negotiation, reservation of rights, and denial procedures
Topic 2: New York Insurance Law & Regulations	25%	– NY Insurance Law Articles and DFS regulations – Licensing requirements, eligibility, and examination rules – State-specific policy provisions and mandatory endorsements – Unfair Claims Settlement Practices Act / Regulation 64
Topic 3: Insurance Fundamentals & General Principles	15%	– Risk management and insurable interest – Indemnity, subrogation, utmost good faith – Insurance contract elements and legal structure
Topic 4: Property & Casualty Coverages	25%	– Specialty lines — Inland Marine, Flood, Workers’ Compensation, Crime – Dwelling and Homeowners policies – General Liability and Commercial General Liability – Automobile coverages — Personal and Commercial – Commercial Property and Businessowners policies
Topic 5: Ethics & Professional Responsibility	15%	– Fraud detection and reporting obligations – Fair claims handling standards and professional conduct – Fiduciary duty, conflict of interest, and confidentiality

NO.64 Charges for transporting a person injured in an aircraft accident by ambulance are covered under

medical payments.

deductibles.

premiums.

fiduciary liability.

NO.65 On a Commercial General Liability claims-made policy, a claim is first made when notice of the claim is received by the insured party or the

insurer.

injured party.

insurance agent.

attorney for the injured party.

NO.66 Which of the following factors is NOT used to determine if an injury qualifies for Workers’ Compensation coverage?

Time of occurrence.

Place of occurrence.

Circumstances of injury.

Severity of injury.

NO.67 Broad theft coverage may ONLY be endorsed on a Dwelling Policy if the

insured is the landlord.

building is vacant.

insured is the owner-occupant.

insured personal property belongs to the landlord.

NO.68 Which is NOT a type of bond?

Obligee.

Court.

Performance.

Bid.

NO.69 In a Dwelling Policy, an unoccupied property refers to one that has no

alarms.

inhabitants.

furniture.

locks.

NO.70 Under which of the following coverage forms would a barn be covered on a Farm Policy?

Other Private Structures.

Scheduled Farm Personal Property.

Unscheduled Farm Personal Property.

Other Farm Structures.

NO.71 Charges for transporting a person injured in an aircraft accident by ambulance are covered under

medical payments.

deductibles.

premiums.

fiduciary liability.

NO.72 What percentage of loss of wages is covered under Personal Injury Protection (PIP)?

40%

60%

80%

100%

NO.73 Which of the following two perils are excluded under the dwelling broad form if a building is vacant for more than 30 consecutive days?

Falling objects and accidental discharge of water or steam.

Damage by burglars and accidental discharge of water or steam.

Weight of ice, snow, or sleet and freezing of plumbing.

Freezing of plumbing and falling objects.

NO.74 Which of the following benefits are NOT paid under workers’ compensation laws?

Vocational rehabilitation.

Independent medical.

Pain and suffering.

Disability income.

NO.75 Which liability policy is BEST suited to protect someone who manages private pensions and employee benefits plans?

Errors and Omissions.

Malpractice.

Fiduciary Liability.

Directors and Officers.

NO.76 Which of the following is the medical abbreviation for getting something done immediately?

A and P.

Stat.

Rx.

DNR.

NO.77 Under Other States Workers’ Compensation Insurance, coverage ONLY applies if the states are listed on the

application.

insuring agreement.

territory provision page.

declarations page.

NO.78 Which of the following exposures would be necessary to purchase a garage coverage form?

Moving company.

Self-serve carwash.

Auto parts store.

Franchise auto dealer.

NO.79 Under an HO-3 Policy, Coverage F – Medical Payments to Others applies to all of the following EXCEPT

a meter reader who trips on an insured’s skateboard.

a mail carrier who is bitten by an insured’s dog.

an insured’s nanny who is accidentally injured while doing personal shopping.

a family friend who is injured while playing volleyball in an insured’s backyard.

NO.80 Under a Homeowners policy, which of the following is an insured location?

Farmland.

Office building.

Cemetery plots of any insured.

Airport.

NO.81 Which of the following provides high-quality magnetic images of body areas without the use of ionizing radiation?

CAT scanning.

Ultrasound.

MRI.

X-Rays.

NO.82 When it comes to liability on a Businessowners Policy, the insurer’s duty to defend ends if the

insured did not pay his taxes.

limits of insurance are used up.

insured missed a payment on his premium.

insurer feels they put in too many claims in the past.

NO.83 The liability section of a businessowners policy (BOP) covers which of the following?

Roof damaged by a windstorm.

Customer injured on the business premises.

Bodily injury suffered in an automobile accident.

Medical payments for injured employee.

NO.84 If insurance is used to establish proof of financial responsibility to comply with the Motor Carrier Act of 1980, what endorsement can be used?

Additional insured-lessor endorsement.

MCS-90 endorsement.

Individual named insured endorsement.

Mobile equipment endorsement.

NO.85 A broken bone is the same as a

fracture.

dislocation.

sprain.

strain.

NO.86 A special limitation applies to business income losses under a Businessowners Policy (BOP). This limitation applies to losses resulting from loss or damage to

security systems.

outdoor signs.

foundations and retaining walls.

electronic media and records.

NO.87 A New York producer moved his/her office on April 1. The producer MUST inform the Superintendent of the address change no later than

May 1.

July 1.

October 1.

December 31.