L&HNew Yorkeasy
Under NY Insurance Law § 1113(a)(3), accident & health insurance covers loss resulting from which of the following?
Sickness, bodily injury, or death by accident
BDamage to a dwelling caused by fire or windstorm
CLegal liability arising from professional services
DDefects in title to real property
Why this is the answer
Accident & health is enumerated separately from life under § 1113(a)(3). The triggers are sickness, accidental bodily injury, and accidental death. Property damage falls under fire/property lines (§ 1113(a)(4),(a)(5)); professional liability is a casualty line (§ 1113(a)(13)); title insurance is § 1113(a)(18). A&H authority is required to write disability income, medical-expense, dental, vision, and accidental-death-and-dismemberment products in NY.
Studying for the New York Life & Health exam?
This question comes from our L&H bank. Take a free practice test — no signup.