AUTO DAMAGE & THEFT
COMPREHENSIVE TEST 2026 QUESTIONS
WITH SOLUTIONS GRADED A+
●● 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
●● If an appraiser has to forfeit his bond in New York. The amount of
the bond is:
,$500
$1000
$2000
$5000. Answer: $1000
●● Which of the following is NOT a true statement regarding auto
appraisers?
Each appraiser, while engaged in appraisal duties, must carry the license
issued to him by the Insurance Department and display it, upon request,
to an owner whose vehicle is being inspected, to the repair shop
representative involved.
The appraiser must leave a legible copy of his appraisal with that of the
repair shop selected by the consumer to make the repairs and also
furnish a copy to the owner of the vehicle.
No appraiser is permitted secure or use repair estimates that have been
obtained by the use of photographs, telephone calls or in any manner
other than a personal inspection.
The appraiser is permitted to traffic in automobile salvage if such
salvage is obtained in any way as a result of appraisal services rendered
by him for his own benefit.. Answer: The appraiser is permitted to traffic
in automobile salvage if such salvage is obtained in any way as a result
of appraisal services rendered by him for his own benefit.
,●● The burden of proof that a covered loss has occurred is normally a
duty of:
The insurance company
The adjuster
The appraiser
The insured. Answer: The insured
●● Before revoking or suspending a license, the Superintendent must
first send _____ notice and give the accused an opportunity for a
hearing.
3 months
45 days.
10 days.
60 days.. Answer: 1o days
●● The linkage between the camshaft and the valves is commonly
known as the:
piston.
crankshaft.
valve train.
, cylinder.. Answer: valve train
●● Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves. Answer: Controller
●● Payment may be made if which of the following procedures has been
executed?
A partial signed release
A Walk-Away release
A prima-facia signed release
None of the answer choices is correct.. Answer: A Walk-Away
release/The Walk-Away release indicates the final disposition of the
matter and relinquishes the claimant's right to sue so payment may be
issued. In some states the signing of the payment check indicates a
Walk-Away release.
●● If an insured fails to comply with the immediate notice of claim
requirement, which of the following could happen?
COMPREHENSIVE TEST 2026 QUESTIONS
WITH SOLUTIONS GRADED A+
●● 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
●● If an appraiser has to forfeit his bond in New York. The amount of
the bond is:
,$500
$1000
$2000
$5000. Answer: $1000
●● Which of the following is NOT a true statement regarding auto
appraisers?
Each appraiser, while engaged in appraisal duties, must carry the license
issued to him by the Insurance Department and display it, upon request,
to an owner whose vehicle is being inspected, to the repair shop
representative involved.
The appraiser must leave a legible copy of his appraisal with that of the
repair shop selected by the consumer to make the repairs and also
furnish a copy to the owner of the vehicle.
No appraiser is permitted secure or use repair estimates that have been
obtained by the use of photographs, telephone calls or in any manner
other than a personal inspection.
The appraiser is permitted to traffic in automobile salvage if such
salvage is obtained in any way as a result of appraisal services rendered
by him for his own benefit.. Answer: The appraiser is permitted to traffic
in automobile salvage if such salvage is obtained in any way as a result
of appraisal services rendered by him for his own benefit.
,●● The burden of proof that a covered loss has occurred is normally a
duty of:
The insurance company
The adjuster
The appraiser
The insured. Answer: The insured
●● Before revoking or suspending a license, the Superintendent must
first send _____ notice and give the accused an opportunity for a
hearing.
3 months
45 days.
10 days.
60 days.. Answer: 1o days
●● The linkage between the camshaft and the valves is commonly
known as the:
piston.
crankshaft.
valve train.
, cylinder.. Answer: valve train
●● Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves. Answer: Controller
●● Payment may be made if which of the following procedures has been
executed?
A partial signed release
A Walk-Away release
A prima-facia signed release
None of the answer choices is correct.. Answer: A Walk-Away
release/The Walk-Away release indicates the final disposition of the
matter and relinquishes the claimant's right to sue so payment may be
issued. In some states the signing of the payment check indicates a
Walk-Away release.
●● If an insured fails to comply with the immediate notice of claim
requirement, which of the following could happen?
