New York State Auto Damage and Theft
Complete Exam Questions and Answers
(Verified Answers) ||ACTUAL EXAM Latest
2026 TEST!! Graded A+
Jim Smith is involved in a collision claim and is no longer able to use
the vehicle to go to work. This "loss of use" is referred to as a:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - ✔✔✔ ANSWER-Consequential loss
When the rear of the vehicle is damaged and there is a gap between
the trunk lid and the quarter panel, what else on the vehicle should
the appraiser check?
The center pillar
The trunk floor
The quarter panels
The frame rails - ✔✔✔ ANSWER-The frame rails
In auto physical damage insurance, an insured peril cause of loss is
known as:
,Direct loss
Indirect loss
Loss evaluation
Consequential loss - ✔✔✔ ANSWER-Direct loss
Which of the following is NOT a method used by an appraiser in
determining the value of a damaged vehicle?
Answer Choices: Select the Correct Answer
A five state average value method
Guide source method
Actual cost method
Dealer quotation method - ✔✔✔ ANSWER-A five state average value
method
After an auto collision loss an insurance company may elect to pay the
insured's claim and take possession of the vehicle. This practice is
referred to as:
Subrogation
A deduction
Salvage
Warranty - ✔✔✔ ANSWER-Salvage
,What feeds the transmission cooler and torque converter in an
automatic transmission?
the governor
the gear pump
the sump pump
the water pump - ✔✔✔ ANSWER-the gear pump /
Explanation:
Located in the cover of the transmission, the gear pump feeds the
transmission cooler and the torque converter. It also draws fluid from
a sump in the bottom of the transmission and feeds it to the hydraulic
system.
Which emissions control system component introduces small amounts
of exhaust gas into the intake manifold, where it is combined with the
regular fuel mixture and diluted?
EGR valve
Catalytic converter
Vapor canister
PCV valve - ✔✔✔ ANSWER-EGR valve
When inspecting to the vehicle door, what else may need to be
examined?
, The door skin.
The window channel.
The frame which the inner door panel and arm rest attach to.
All of the answer choices will need to be examined - ✔✔✔ ANSWER-All
of the answer choices will need to be examined
The Superintendent of Insurance believes a person has committed a
violation or is engaging in a practice that could become a violation.
The Superintendent believes a hearing is necessary. The hearing must
be held within _____ days after the date the notice has been served.
Ten
Fifteen
Twenty
Thirty - ✔✔✔ ANSWER-Ten
The first number of the Vehicle Identification Number indicates:
The model of the car.
The country of origin.
The year of the car.
The plant code. - ✔✔✔ ANSWER-The country of origin
Following the payment of a claim, the salvaged property becomes the
property of:
Complete Exam Questions and Answers
(Verified Answers) ||ACTUAL EXAM Latest
2026 TEST!! Graded A+
Jim Smith is involved in a collision claim and is no longer able to use
the vehicle to go to work. This "loss of use" is referred to as a:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - ✔✔✔ ANSWER-Consequential loss
When the rear of the vehicle is damaged and there is a gap between
the trunk lid and the quarter panel, what else on the vehicle should
the appraiser check?
The center pillar
The trunk floor
The quarter panels
The frame rails - ✔✔✔ ANSWER-The frame rails
In auto physical damage insurance, an insured peril cause of loss is
known as:
,Direct loss
Indirect loss
Loss evaluation
Consequential loss - ✔✔✔ ANSWER-Direct loss
Which of the following is NOT a method used by an appraiser in
determining the value of a damaged vehicle?
Answer Choices: Select the Correct Answer
A five state average value method
Guide source method
Actual cost method
Dealer quotation method - ✔✔✔ ANSWER-A five state average value
method
After an auto collision loss an insurance company may elect to pay the
insured's claim and take possession of the vehicle. This practice is
referred to as:
Subrogation
A deduction
Salvage
Warranty - ✔✔✔ ANSWER-Salvage
,What feeds the transmission cooler and torque converter in an
automatic transmission?
the governor
the gear pump
the sump pump
the water pump - ✔✔✔ ANSWER-the gear pump /
Explanation:
Located in the cover of the transmission, the gear pump feeds the
transmission cooler and the torque converter. It also draws fluid from
a sump in the bottom of the transmission and feeds it to the hydraulic
system.
Which emissions control system component introduces small amounts
of exhaust gas into the intake manifold, where it is combined with the
regular fuel mixture and diluted?
EGR valve
Catalytic converter
Vapor canister
PCV valve - ✔✔✔ ANSWER-EGR valve
When inspecting to the vehicle door, what else may need to be
examined?
, The door skin.
The window channel.
The frame which the inner door panel and arm rest attach to.
All of the answer choices will need to be examined - ✔✔✔ ANSWER-All
of the answer choices will need to be examined
The Superintendent of Insurance believes a person has committed a
violation or is engaging in a practice that could become a violation.
The Superintendent believes a hearing is necessary. The hearing must
be held within _____ days after the date the notice has been served.
Ten
Fifteen
Twenty
Thirty - ✔✔✔ ANSWER-Ten
The first number of the Vehicle Identification Number indicates:
The model of the car.
The country of origin.
The year of the car.
The plant code. - ✔✔✔ ANSWER-The country of origin
Following the payment of a claim, the salvaged property becomes the
property of:
