Free Practice Questions for NY Claims Adjuster

Adjusting Losses

Role of the adjuster, claim reporting and investigation, report types, property and liability losses, coverage problems, settlement procedures, subrogation and alternative dispute resolution

Homeowners (2011) Policy

HO-2 through HO-6 and HO-8 forms, Section I property coverages and additional coverages, Section II liability, perils, exclusions, conditions and the New York endorsements

Auto Insurance

NY financial responsibility and Article 51 No-Fault, MVAIC, UM and SUM, Regulation 79 inspections, rideshare, vehicle parts and construction, the personal auto policy and commercial auto

Commercial Package Policy (CPP)

Commercial general liability, commercial property and causes of loss, business income, commercial crime, commercial inland marine, boiler and machinery, and farm coverage

Businessowners (2010) Policy

Eligibility and purpose, businessowners property and liability coverage forms, common policy conditions and the selected endorsements

Other Coverages and Options

Umbrella and excess liability, specialty liability including cyber, excess lines under Regulation 41, the NFIP, ocean marine, watercraft, identity theft and crop insurance

Insurance Regulation

NY Insurance Law § 2108 licensing, Superintendent powers, license maintenance and discipline, Regulation 64 claim settlement rules, Regulation 169 privacy, DFS cybersecurity and 18 U.S.C. §§ 1033/1034

Insurance Basics

Contract elements and characteristics, indemnity, warranties and representations, hazards and negligence, loss valuation, policy structure and conditions, other insurance, limits and coinsurance

Accident and Health Insurance Basics

Accidental injury and sickness triggers, disability income, hospital and medical expense, long-term care, classes of coverage, limited policies, exclusions and claims handling

Dwelling (2014) Policy

Basic, Broad and Special coverage forms, Coverages A through E, other coverages, general exclusions, conditions and the New York endorsements

Workers' Compensation Insurance

Types of compensation laws, New York Workers' Compensation Law and exclusive remedy, benefits and claims reporting, the WC and employers liability policy, FELA, USL&H and the Jones Act

Understanding the Language of Medical Reports

Medical terminology and abbreviations, basic human anatomy, common injuries and diseases, and diagnostic tests including MRI, CT, EMG and nerve conduction studies

Fidelity Coverages

Nature of fidelity bonds, discovery and loss sustained forms, employee dishonesty scheduling, ERISA plan bonds, financial institution bonds and public employee bonds

Aviation Hull Coverages

All risk ground and flight, not in flight and not in motion bases, named perils, deductibles, agreed value settlement and the pilot warranty

Aircraft Liability Coverages

Bodily injury liability excluding passengers, property damage liability, passenger bodily injury liability, medical payments and admitted liability

Surety Bonds

Nature of suretyship and the three parties, contract bonds, public official bonds, judicial and fiduciary bonds, and miscellaneous surety bonds