PA MOTOR VEHICLE PHYSICAL
DAMAGE APPRAISER ACTUAL EXAM
2026/2027 | Pennsylvania Insurance
Department Standards | Comprehensive
Practice Test | Verified Q&A | Pass
Guaranteed - A+ Graded
SECTION 1: PA LICENSING LAWS, REGULATIONS & ETHICS
(40 Questions)
Q1: According to the Pennsylvania Motor Vehicle Physical Damage Appraiser Act, what is the
minimum age requirement to obtain an appraiser's license?
● A. 16 years old
● B. 18 years old [CORRECT]
● C. 21 years old
● D. 25 years old
Correct Answer: B
Rationale: 63 P.S. § 853(b) explicitly requires applicants to be at least eighteen years of age.
This statutory requirement ensures maturity and legal capacity for contractual obligations in
appraisal work.
Q2: Under Act 361, how many business days does an appraiser have to inspect a vehicle after
receiving an assignment?
● A. 3 business days
● B. 5 business days
● C. 6 business days [CORRECT]
● D. 10 business days
Correct Answer: C
Rationale: Act 361 mandates that appraisers complete vehicle inspection within 6 business
days of assignment. This timeline ensures prompt claims processing and policyholder
protection under Pennsylvania insurance regulations.
,Q3: How many days after completing an inspection must a total loss offer be made to the
vehicle owner?
● A. 3 days
● B. 5 days [CORRECT]
● C. 7 days
● D. 10 days
Correct Answer: B
Rationale: Pennsylvania regulations require appraisers to offer total loss settlement within 5
days after inspection. This protects consumers from undue delays in claim resolution.
Q4: An appraiser's license in Pennsylvania expires annually at midnight on which date?
● A. December 31
● B. January 1
● C. June 30 [CORRECT]
● D. September 30
Correct Answer: C
Rationale: Per 31 PA Code § 62.4, all appraiser licenses expire at midnight on June 30 each
year. Appraisers must renew before this deadline to maintain legal authority to practice.
Q5: If an appraiser's license has been expired for more than 60 days, what action must be
taken to regain licensure?
● A. Pay double the renewal fee
● B. Submit a late renewal application only
● C. Retake and pass the licensing examination [CORRECT]
● D. Complete 40 hours of continuing education
Correct Answer: C
Rationale: Pennsylvania law requires individuals whose licenses have expired beyond 60 days
to retake the complete examination. This ensures competency standards are maintained for
lapsed licensees.
Q6: True or False: While engaged in appraisal duties, an appraiser must carry their license and
display it to vehicle owners or repair shops upon request.
● A. True [CORRECT]
● B. False
,Correct Answer: A
Rationale: 63 P.S. § 857 requires appraisers to carry their license during appraisal activities
and present it upon request to vehicle owners or shop personnel. This ensures transparency
and accountability.
Q7: Under 31 PA Code § 62.2, which of the following demonstrates competency for
examination eligibility?
● A. 3 months experience in auto sales within the past year
● B. 6 months continuous experience within previous 3 years in body repair or related field
[CORRECT]
● C. High school diploma and 1 year general work experience
● D. Completion of any online automotive course
Correct Answer: B
Rationale: 31 PA Code § 62.2 requires applicants to demonstrate competency through either
6 months continuous experience in body repair/related field within the past 3 years OR
successful completion of relevant education/training within the same timeframe.
Q8: Which of the following is a REQUIRED element in a Pennsylvania motor vehicle damage
appraisal?
● A. Vehicle owner's phone number
● B. Dollar amount of the appraisal [CORRECT]
● C. Insurance policy number
● D. Repair shop's tax ID number
Correct Answer: B
Rationale: Pennsylvania regulations mandate that appraisals include the dollar amount,
description of repairs known at inspection time, and location of LKQ or aftermarket parts.
The dollar amount is the fundamental purpose of the appraisal document.
Q9: If an insurance company decides not to renew a policy, how many days advance written
notice must they provide?
● A. 30 days
● B. 45 days
● C. 60 days [CORRECT]
● D. 90 days
Correct Answer: C
, Rationale: Pennsylvania insurance law requires 60 days advance written notice for
non-renewal. This gives policyholders adequate time to secure alternative coverage.
Q10: Which of the following is a potential penalty for violating Pennsylvania's Motor Vehicle
Physical Damage Appraiser Act?
● A. Written warning for first offense only
● B. Mandatory community service
● C. License revocation [CORRECT]
● D. Probationary status for 90 days
Correct Answer: C
Rationale: 63 P.S. § 861 specifies penalties including imprisonment, fines up to $1,000, and
license revocation. The severity reflects the Act's intent to protect consumers from
unqualified or fraudulent appraisers.
Q11: Regarding salvage retention by the vehicle owner, what must the appraiser provide?
● A. A list of local salvage yards only
● B. Salvage bid information to the owner [CORRECT]
● C. The insurance company's salvage retention policy
● D. Nothing; the owner must research this independently
Correct Answer: B
Rationale: When owners retain salvage, appraisers must supply salvage bid information. This
ensures owners understand the financial implications of their retention decision.
Q12: An appraiser may take photographs of a damaged vehicle without:
● A. The owner's consent
● B. Leaving a copy of the appraisal or agreed price [CORRECT]
● C. Notifying the insurance company
● D. Wearing proper safety equipment
Correct Answer: B
Rationale: Pennsylvania regulations specifically allow appraisers to photograph vehicles
without leaving a copy of the appraisal or agreed price. This facilitates efficient
documentation while other requirements remain in force.
Q13: Which of the following requires the vehicle owner's permission?
DAMAGE APPRAISER ACTUAL EXAM
2026/2027 | Pennsylvania Insurance
Department Standards | Comprehensive
Practice Test | Verified Q&A | Pass
Guaranteed - A+ Graded
SECTION 1: PA LICENSING LAWS, REGULATIONS & ETHICS
(40 Questions)
Q1: According to the Pennsylvania Motor Vehicle Physical Damage Appraiser Act, what is the
minimum age requirement to obtain an appraiser's license?
● A. 16 years old
● B. 18 years old [CORRECT]
● C. 21 years old
● D. 25 years old
Correct Answer: B
Rationale: 63 P.S. § 853(b) explicitly requires applicants to be at least eighteen years of age.
This statutory requirement ensures maturity and legal capacity for contractual obligations in
appraisal work.
Q2: Under Act 361, how many business days does an appraiser have to inspect a vehicle after
receiving an assignment?
● A. 3 business days
● B. 5 business days
● C. 6 business days [CORRECT]
● D. 10 business days
Correct Answer: C
Rationale: Act 361 mandates that appraisers complete vehicle inspection within 6 business
days of assignment. This timeline ensures prompt claims processing and policyholder
protection under Pennsylvania insurance regulations.
,Q3: How many days after completing an inspection must a total loss offer be made to the
vehicle owner?
● A. 3 days
● B. 5 days [CORRECT]
● C. 7 days
● D. 10 days
Correct Answer: B
Rationale: Pennsylvania regulations require appraisers to offer total loss settlement within 5
days after inspection. This protects consumers from undue delays in claim resolution.
Q4: An appraiser's license in Pennsylvania expires annually at midnight on which date?
● A. December 31
● B. January 1
● C. June 30 [CORRECT]
● D. September 30
Correct Answer: C
Rationale: Per 31 PA Code § 62.4, all appraiser licenses expire at midnight on June 30 each
year. Appraisers must renew before this deadline to maintain legal authority to practice.
Q5: If an appraiser's license has been expired for more than 60 days, what action must be
taken to regain licensure?
● A. Pay double the renewal fee
● B. Submit a late renewal application only
● C. Retake and pass the licensing examination [CORRECT]
● D. Complete 40 hours of continuing education
Correct Answer: C
Rationale: Pennsylvania law requires individuals whose licenses have expired beyond 60 days
to retake the complete examination. This ensures competency standards are maintained for
lapsed licensees.
Q6: True or False: While engaged in appraisal duties, an appraiser must carry their license and
display it to vehicle owners or repair shops upon request.
● A. True [CORRECT]
● B. False
,Correct Answer: A
Rationale: 63 P.S. § 857 requires appraisers to carry their license during appraisal activities
and present it upon request to vehicle owners or shop personnel. This ensures transparency
and accountability.
Q7: Under 31 PA Code § 62.2, which of the following demonstrates competency for
examination eligibility?
● A. 3 months experience in auto sales within the past year
● B. 6 months continuous experience within previous 3 years in body repair or related field
[CORRECT]
● C. High school diploma and 1 year general work experience
● D. Completion of any online automotive course
Correct Answer: B
Rationale: 31 PA Code § 62.2 requires applicants to demonstrate competency through either
6 months continuous experience in body repair/related field within the past 3 years OR
successful completion of relevant education/training within the same timeframe.
Q8: Which of the following is a REQUIRED element in a Pennsylvania motor vehicle damage
appraisal?
● A. Vehicle owner's phone number
● B. Dollar amount of the appraisal [CORRECT]
● C. Insurance policy number
● D. Repair shop's tax ID number
Correct Answer: B
Rationale: Pennsylvania regulations mandate that appraisals include the dollar amount,
description of repairs known at inspection time, and location of LKQ or aftermarket parts.
The dollar amount is the fundamental purpose of the appraisal document.
Q9: If an insurance company decides not to renew a policy, how many days advance written
notice must they provide?
● A. 30 days
● B. 45 days
● C. 60 days [CORRECT]
● D. 90 days
Correct Answer: C
, Rationale: Pennsylvania insurance law requires 60 days advance written notice for
non-renewal. This gives policyholders adequate time to secure alternative coverage.
Q10: Which of the following is a potential penalty for violating Pennsylvania's Motor Vehicle
Physical Damage Appraiser Act?
● A. Written warning for first offense only
● B. Mandatory community service
● C. License revocation [CORRECT]
● D. Probationary status for 90 days
Correct Answer: C
Rationale: 63 P.S. § 861 specifies penalties including imprisonment, fines up to $1,000, and
license revocation. The severity reflects the Act's intent to protect consumers from
unqualified or fraudulent appraisers.
Q11: Regarding salvage retention by the vehicle owner, what must the appraiser provide?
● A. A list of local salvage yards only
● B. Salvage bid information to the owner [CORRECT]
● C. The insurance company's salvage retention policy
● D. Nothing; the owner must research this independently
Correct Answer: B
Rationale: When owners retain salvage, appraisers must supply salvage bid information. This
ensures owners understand the financial implications of their retention decision.
Q12: An appraiser may take photographs of a damaged vehicle without:
● A. The owner's consent
● B. Leaving a copy of the appraisal or agreed price [CORRECT]
● C. Notifying the insurance company
● D. Wearing proper safety equipment
Correct Answer: B
Rationale: Pennsylvania regulations specifically allow appraisers to photograph vehicles
without leaving a copy of the appraisal or agreed price. This facilitates efficient
documentation while other requirements remain in force.
Q13: Which of the following requires the vehicle owner's permission?
