New York Independent Adjuster, Motor Vehicle No‑Fault and Workers’ Compensation Health Services Adjuster (Series 17-72) Practice Test

These questions are part of the practice quiz. Start practicing

• Workers compensation insurance is a contract primarily between which two parties?
• Under the Terrorism Risk Insurance Reauthorization Act of 2015, who must the Secretary of the Treasury consult before certifying an act of terrorism?
• In the context of claims adjustment, what is true about arbitration?
• What is the standard deductible for auto physical damage coverage in New York?
• How many days notice must the Superintendent provide before revoking or suspending a license?
• When is comparative negligence applied in auto insurance claims?
• What is the total bodily injury payment claimed by Sue Trent and her passenger Scott Finley?
• When would an uninsured vehicle NOT be considered a "covered auto" on someone's auto policy?
• A non-waiver agreement allows the insurer to:
• A claims dispute where a neutral third party intervenes to make a binding decision is known as?
• What is the medical term for elevated arterial blood pressure?
• What type of report provides the initial results of a claim investigation?
• In New York, what is the current burial benefit for a worker killed in a work-related incident?
• What type of coverage would apply if an insured intentionally sets fire to their home and there is a total loss?
• If a person is qualified to receive benefits from the Motor Vehicle Accident Indemnification Corporation and is injured by a "hit and run" driver, how many days do they have to file a claim?
• Which term best describes an abnormal condition in which a clot develops within a blood vessel?
• What coverage conditions apply for a newly acquired auto under the BAP?
• What does comprehensive coverage in auto policies cover?
• What is the primary function of the National Council on Compensation Insurance?
• What determines the deductible amount applied by an insurer for vehicle damage?
• Which type of loss is not covered under an auto dealer's garage policy physical damage coverage?
• What advantage does enamel automobile paint have over lacquer paint according to the provided information?
• What is a key benefit of mediation in the context of dispute resolution?
• What should an adjuster do when a claimant wants to negotiate a claim directly after firing their attorney?
• A settlement where the claimant receives payments over time instead of a lump sum is referred to as?
• Which of the following is a common disadvantage of mediation?
• Who is responsible for paying premium costs for Workers Compensation insurance?
• Under a commercial auto policy providing physical damage, which of the following offers the broadest coverage?
• What is a key component of the backup documentation in a Workers’ Compensation claim?
• If Mr. Higgins' vehicle damage coverage is limited to $5,000, what is the payout amount for Sue Trent's total loss valued at $6,000?
• What is a likely outcome for a party that participates in mediation?
• What is the purpose of the State Insurance Fund regarding workers’ compensation coverage?
• What is an essential advantage of arbitration in the resolution of disputes?
• What type of claims dispute typically benefits from arbitration?
• The suffix "somatic" refers to which of the following?
• Which loss would typically be excluded from an auto dealer's garage policy?
• What is the penalty for committing workers compensation fraud in New York?
• Which of the following is exempt from certain sections of New York cybersecurity regulations?
• What is the total cost incurred by Scott Finley in medical expenses due to the accident?
• What is the nature of the injuries sustained by the metal fabricating employee?
• Garagekeepers specified causes of loss coverage would apply to each of the following, EXCEPT:
• Which of the following coverages would apply to the rental car expense incurred by the other driver after an accident?
• What does the root word "pathos" mean?
• What does the term 'anterior' refer to in medical terminology?
• In terms of workers compensation, what does "coverage in effect" refer to?
• What term refers to a person asserting a right to payment under an insurance policy?
• What body regions were injured when the metal fabricating employee fractured his bones?
• Which of the following is true regarding uninsured motorists?
• What is the name of the factor that adjusts premiums based on an employer's actual loss experience in Workers Compensation insurance?
• All of the following are considered to be family members on the PAP, EXCEPT:
• In the scenario where a tornado knocks over a lamp and starts a fire, what is the proximate cause of loss?
• What does the term 'negligence' imply in a legal context?
• The named insured is an auto dealer with a single insured location. How much of a covered loss totaling $80,000 will the garage insurer pay if the insured reported $300,000 instead of the actual $400,000?
• How often must insurers conducting business in New York be examined?
• Which claim is subject to liability coverage under a commercial auto policy?
• Which circumstance will typically NOT result in coverage under a standard Workers’ Compensation policy?
• How soon must a New York insurance licensee notify the Insurance Department of a change of address?
• What is the potential civil penalty for engaging in activities that violate the Federal Insurance Fraud and False Statements regulation?
• Which coverage limits apply to Mr. Higgins regarding bodily injury per person and per accident?
• Which of the following is NOT considered an "uninsured motor vehicle" under a personal auto policy?
• If Sally Roe waives her subrogation right after being rear-ended by John Doe, what will her insurer do?
• What is a condition resulting from the lack of oxygen to the brain which can cause paralysis, speech problems or dementia?
• All of the following are excluded from garage policy liability coverage, EXCEPT?
• What is the minimum wrongful death limit required for auto policies in New York?
• What is the primary purpose of the Property Damage Liability coverage?
• What is the purpose of "other states insurance" under a Workers Compensation policy?
• Which type of insurance companies are required to participate in a state's automobile assigned risk plan?
• According to the Terrorism Risk Reauthorization Act of 2015, an act will only be certified as an act of terrorism if:
• Which of the following statements is true regarding the business auto policy?
• Under comprehensive coverage of a business auto policy, which of the following scenarios would not qualify as a covered loss?
• What distinguishes comprehensive coverage from collision coverage?
• What is the primary function of a vehicle cooling system?
• What is the minimum advance notice required for cancelling a workers compensation policy in New York when not related to nonpayment?
• If an employee of a roofing company uses your car and gets into an accident, who will be protected by your insurance policy?
• What is the penalty for committing a fraudulent insurance practice in New York?
• What factors generally encourage parties to choose mediation rather than arbitration?
• What is the type of auto body frame that is most often used in today's automobiles?
• Which of the following is NOT a requirement for obtaining an insurance adjuster license in New York?
• What is the maximum amount Jim's insurance company will pay after his at-fault accident, given the expenses incurred?
• What type of accident does collision coverage typically not cover?
• Which of the following most accurately describes the term "cumulative trauma disorder"?
• When would the personal auto policy respond to a loss with a three wheeler?
• What amount will the insurance company pay Mr. York for his stolen pickup truck and tools after the deductibles?
• Cystic fibrosis primarily affects which part of the body?
• On what date must an adjuster license be renewed in New York?
• How long must documentation supporting certification of compliance be maintained under New York cybersecurity regulation?
• Which of the following is a key consideration in managing a Workers Compensation claim?
• What is the amount of bond required to be posted with the state of New York to obtain an adjuster's license?
• In terms of auto insurance, what does 'excess liability coverage' mean?
• Which of the following is classified as an exclusion in a standard auto policy?
• In the determination of damages, which aspect will the workers compensation adjuster not evaluate?
• Which type of release involves claim invoices being presented and paid without obtaining a separate release?
• When is arbitration typically preferred over mediation in claims adjustments?
• How does an insured's personal auto policy apply when renting a vehicle on vacation?
• Under the Motor Carrier Act, for how long are goods being transported covered for loss?
• Which event arising from the use of a covered auto is covered under the personal auto policy?
• How will the insurance company handle a claim for stolen CDs if the insured has liability and comprehensive coverage, but not collision coverage?
• What does the root word "stomat" refer to?
• Which statement is true regarding Independent Medical Examinations (IMEs) requested by insurers?
• What can happen when an independent contractor is injured while working and files a claim stating that they were actually an employee?
• In which region of the human skeleton do most common back problems occur?
• Under the New York no-fault plan, what is the limit for medical and rehabilitation expenses?
• Which pollution loss would be covered by garage policy liability coverage?
• When an insurer intends to non-renew a homeowners policy in New York, how many days advance notice must be sent to the insured?
• Under which circumstance would arbitration be less advisable?
• Which entity enforces the requirements of the MCS-90 endorsement?
• What must Joann report to the New York Department of Insurance after administrative action in another state?
• What part of the body is referred to as the frontal region when discussing cranial injuries?
• Which of the following resins is commonly used to replace heavier metals when manufacturing or repairing automobile parts?
• When does coverage generally begin under a Workers’ Compensation policy?
• Which Act was established to protect individuals from abuses of information in their credit files?
• Which loss would be covered under the "Other than Collision" coverage of a Personal Auto policy?
• What kind of liability coverage does a commercial auto policy provide for private passenger autos rented without a driver?
• What form is used to cover taxis and bus companies in commercial auto insurance?
• What type of coverage does the New York Comprehensive Automobile Insurance Reparations Act provide?
• If a person suffered a burn that blistered the skin and required immediate medical attention, that person probably suffered what degree of burn?
• When can workers' compensation benefits be denied?
• How many days does a New York insurance company have to pay a claim after receiving proof of loss?
• Who writes the workers compensation policy language?
• Employers in New York have how many days from the date of the initial penalty to appeal the penalty for failing to comply with workers compensation provisions?
• Which section of a Workers’ Compensation policy outlines the cancellation clause?
• Property damage to a rental car is paid under which type of automobile coverage?
• When assessing muscle injuries, what does a "strain" typically involve?
• Under the New York No Fault coverages, what is the daily benefit for substitute services for basic economic loss?
• What does noise-induced hearing loss result from?
• When can an insurer cancel a homeowners policy in New York after it has been in effect for 60 days?
• An award for pain and suffering to a claimant who was burned when a tractor engine malfunctioned would be considered what kind of damages?
• Under the Federal Insurance Fraud and False Statements Act, what must a person do to resume transacting business in a state after being prohibited?
• Commercial Auto insurance applies to accidents or losses in all of the following locations, EXCEPT:
• What primary factor distinguishes a unibody frame from traditional body-on-frame structures?
• In a case where arson is committed by the insured, how will the claim for a total loss of property be paid?
• What is an official notice of a lawsuit?
• How much of a $100,000 liability loss will Company A pay if it has a limit of $100,000 and Company B has a limit of $25,000?
• If John borrows a friend's car and has an accident, which statement is true regarding his named non-owned auto coverage?
• What gas does the human respiratory system remove from the body?
• Under the Motor Carrier Act of 1980, a vehicle hauling excess oil, explosives or nitrous gases is required to carry a minimum liability limit of:
• Which person's injuries would NOT be covered under the Smith family's personal auto policy?
• The premium charged for a standard Workers Compensation policy is based primarily on a company's:
• What is one benefit of enamel paint regarding environmental impact compared to lacquer paint?
• Which of the following is NOT classified as a "door" in an automobile?
• How does liability insurance respond when the insured is at fault in an accident?
• How should the adjuster pay damages for Driver 2 when the total bodily injury amount is unknown?
• Which statement is accurate regarding the involvement of third parties in mediation and arbitration?
• The Terrorism Risk Insurance Program Reauthorization Act of 2015 excludes all of the following, EXCEPT:
• If a vehicle sustained $2,000 in damage and the insured has collision coverage with a $1,000 deductible, how much will the insurer pay?
• Which scenario is most appropriate for mediation rather than arbitration?
• What is the maximum time an adjuster may be imprisoned for an act of insurance fraud that does not affect the financial stability of the company?
• How is the premium for workers' compensation insurance often calculated?
• Which of the following is typically NOT covered under a business auto policy?
• All of the following are included in an insurance property estimate of damages, EXCEPT:
• In the event of a loss under a personal auto policy, the insured is required to submit all of the following information, EXCEPT?
• Which endorsement can be used to add a motor home that is not covered by a personal auto policy?
• For which of the following reasons may the New York Superintendent of Insurance refuse to renew, suspend, or revoke a license?
• Which of the following does not affect the determination of damages in a workers compensation claim?
• Which combination is correct for the components used in laminated safety glass?
• What is a monopolistic state in terms of Workers’ Compensation insurance?
• What is the maximum amount that Mr. Higgins' policy will pay for bodily injury and property damage combined?
• Which medical expenses incurred during the accident qualify for coverage under Mr. Higgins' policy?
• Who is responsible for determining legal liability in an insurance case?
• Which of the following is NOT a correct method for determining the cost of a "comparable automobile"?
• Which of the following lines of insurance are covered under the Terrorism Risk Insurance Act, now referred to as the Terrorism Risk Insurance Extension Act of 2015?
• What triggers coverage under commercial auto physical damage insurance?
• What defines the responsibilities of an adjuster in reporting administrative actions?
• Which type of insurance form would typically cover a transportation company?
• Which of the following statements is false regarding work-related injury cases that fall outside the scope of the workers compensation law?
• What condition describes Tom’s hearing loss caused by workplace noise exposure?
• Which document serves as a formal declaration by an insurer of its intention to rescind a policy?
• If Tom and Jane both have personal auto policies, what would be the total liability coverage available if they are sued?
• What documentation should an adjuster request if a claimant changes their representation?
• A weather report would be considered what type of evidence?
• What is the first thing an insurance company staff adjuster must determine in handling a workers compensation injury claim?
• If an insured's vehicle is repaired at a shop chosen by the insurer after a covered loss, what is the insurer guilty of?
• An insurance professional accused of dishonesty involving interstate commerce will be prosecuted by whom?
• What is the maximum amount the insurer will pay for loss of earnings due to testifying at a trial under the personal auto policy?
• In insurance terminology, what does "subrogation" refer to?
• Which of the following would not be categorized as "first party" coverage under a personal auto policy?
• Why might parties opt for mediation despite the lack of a binding agreement?
• What type of vehicle is classified as an "uninsured motor vehicle" under a personal auto policy?
• What type of automobile coverage might a person need if he or she does not own a vehicle?
• Which of the following is not a duty of an insurer in case of a loss?
• Under the Terrorism Risk Insurance Program Reauthorization Act of 2015, what is the trigger limit for claims in the year 2018?
• What type of glass is used for vehicle windows other than the windshield?
• Which of the following best defines the role of a mediator?
• A person that has been found committing unfair or deceptive acts in the business of insurance can be fined up to ______ per day for each offense.
• What outcome can parties expect after an arbitration process?
• Which glands produce hormones required by the body such as estrogen and progesterone?
• What is required when a company wants to self-insure for workers compensation?
• To be eligible for nonoccupational disability benefits in New York, an employee must have worked for a covered employer for at least how long?
• Which of the following are covered by the Federal Employers' Liability Act (FELA)?
• In the context of auto insurance, what does liability coverage protect against?
• What is the purpose of an insurance adjuster?
• Ellen's automobile is stolen. The theft is properly reported to the police and the insurance company. She rents a car for two months. Which of the following would apply for the rental car?
• The root word "glyc" is associated with which type of substance?
• What type of injury results from tearing of a muscle?
• What type of endorsement is needed for workers who travel abroad for work-related activities?
• Which of the following is not considered "mobile equipment" under the business auto policy?
• Which term describes the movement that increases the angle between two adjoining bones in the context of joints in the skeleton?
• What type of brain injury did Alex suffer after a blow to the head?
• Which of the following describes a structured settlement?
• Which statement correctly describes a feature of workers compensation law?
• What is prohibited for an adjuster when a claimant is represented by an attorney?
• All of the following circumstances would be covered under workers compensation, EXCEPT:
• What is a common characteristic of comprehensive coverage in an auto insurance policy?
• What name can be used for the issuance of an adjuster license in New York?
• Which type of paint is Danny most likely to select for a custom design on a car?
• In a personal auto policy, which coverage is responsible for paying medical expenses?
• The mandatory recoupment of the federal share through policyholder surcharges under the Terrorism Risk Insurance Program Reauthorization Act of 2015 was increased from 133% to:
• In the context of workers compensation premiums, what does expected loss experience refer to?
• By what date must covered entities submit a written compliance statement under the New York cybersecurity regulation?
• In a workers compensation context, emotional damages might sometimes be defined as:
• How quickly must an insurer respond to an inquiry from the New York Department of Insurance regarding a claim?
• What endorsement can be added to an employee's personal auto policy if they are covered under the employer's auto policy?
• What is the primary characteristic that distinguishes mediation from arbitration in claims adjustment?
• In the context of auto insurance in New York, what does the term "collision" refer to?
• Which of the following losses may not be determined by an adjuster?
• What limit of liability is required for transporting radioactive materials under the Motor Carrier Act?
• What happens when a claimant under no-fault is using a rental vehicle?
• What is the primary function of the Foreign Coverage Endorsement?
• Which type of coverage could be denied if a vehicle is broken into and CDs are stolen?
• Under the Federal Insurance Fraud and False Statements Act, what is the maximum imprisonment time for willfully embezzling or misappropriating insurer property?
• In New York, how is an adjuster expected to handle communications from a claimant's attorney?
• What must an insured provide after a loss occurs under their property insurance policy?
• Tearing of a ligament results in an injury known as a:
• In the at-fault accident with a total vehicle damage of $4,000, how much will the insurer pay considering a $500 deductible?
• Which type of coverage is often included in auto insurance to aid after an accident?
• Which of the following is NOT a correct statement in determining the cost of a "comparable automobile" when a physical damage loss has occurred?
• The insured in New York has purchased Supplementary Uninsured Motorist Coverage (SUM). This coverage:
• What is a potential outcome if an employee tries to duplicate recovery under New York No-Fault coverage?
• Anyone who threatens, forces or corruptly influences the administration of the fraud law relating to insurance may be fined and/or imprisoned for up to:
• Under a commercial auto policy, which third-party claim would NOT be covered?
• In New York, what is the maximum fine for violating a cease and desist order from the Superintendent?
• Under a standard auto insurance policy, which of the following would generally fall under medical payments coverage?
• What is the heart rate termed as tachycardia?
• What is one of the key benefits that New York mandates for employees regarding nonoccupational disabilities?
• Which of the following is a requirement for a homeowners policy to be canceled?