Damage Appraisal License Test Exam with 100% Correct Answers 2023

Subrogation - Correct Answer-One insurance company sues another to recover cost to repair insured's car Release - Correct Answer-Two insurance companies agreed or insured agrees ACV - Correct Answer-Actual Cash Value, cost new less depreciation Arbitration - Correct Answer-Only way in insurance policy to dispute claim amount. Two appraisers agree or go to umpire LQK - Correct Answer-Like, Kind, Quality Solenoid - Correct Answer-Located between battery and starter motor Exhaust - Correct Answer-Parts-CAT converter, muffler,pipes, exhaust, manifold Unibody - Correct Answer-Overall stronger than "body on frame," car with high strength steel , spot welded Rear Suspension - Correct Answer-Parts- rear springs,shocks, U bolts Roof - Correct Answer-Unibody- supported by pillars. Windshield is part of unibody Stated Value Policy - Correct Answer-Agreed amount of ACV Unibody floor - Correct Answer-High strength from rockers at pinch Engine Parts - Correct Answer-Intake manifold, exhaust manifold Stabilizer Bar - Correct Answer-Keeps car level on turns Unibody Parts - Correct Answer-Rockers, Pillars, Floors, Aprons Brake Parts - Correct Answer-Disc: rotors, calipers, pads. Drums: drums, shoes, wh. cylinders Tire Thread New - Correct Answer-11/32 Tire Contact w/ Wheel - Correct Answer-Bead Hood - Correct Answer-Bonnet Deck Lid - Correct Answer-Boot Auto Trans Torque Converter - Correct Answer-Manual trans- clutch Bell Housing - Correct Answer-Torque converter is shielded Air Bad Angle - Correct Answer-Deploys at 30* angle when hit Nitrogen Gas - Correct Answer-Inflates Air Bag Primary Damage - Correct Answer-Immediate impact area Secondary Damage - Correct Answer-Beyond immediate impact area Private investigation - Correct Answer-Don't show license License qualifications - Correct Answer-Must be 18 years old, have 2 years experience with appraisals, or take approved course Loss of license - Correct Answer-Insurance fraud/court judgement Show license to - Correct Answer-Insured, Body Shop, Board Members Auto Damage Appraisers Licensing Board - Correct Answer-Appointed by Governor- 5 members; 2 body shop industry, 2 insurance industry, 1 chair person (neutral) Claim Assignment by insurance company - Correct Answer-2 days to appraiser Inspection time - Correct Answer-5 days for appraiser to compete appraiser Supplement Inspection - Correct Answer-Must be seen in 3 business days and 3 days max to approve (field notes same day or 1 day after) Loss payable - Correct Answer-Bank Premium - Correct Answer-Cost of insurance Record Keeping - Correct Answer-Appraisals must be kept for 2 years (body shops & insurance companies Salvage - Correct Answer-If insured keeps car, cost of salvage is average of 2 salvage (local) yard quotes Total Loss - Correct Answer-If insurance company pays ACV, salvage is turned over to insurance company and title assigned to insurance company O/H - Correct Answer-remove, disassemble, replace any or all parts. R&R - Correct Answer-remove and replace one part R&I - Correct Answer-Remove as an assembly and set aside to gain access and reinstall D&R - Correct Answer-Disconnect and Reconnect Comprehensive insurance - Correct Answer-Optional-fire,theft,glass,water, animal Damage, (deer etc) Collision - Correct Answer-Optional-standard deductible= $500 , striking another object Policy - Correct Answer-ACV or P/D Limits - Correct Answer-Found on insured's policy, declaration page Re-inspections - Correct Answer-Over $4,000 in Damage 75% Under $4,000 in Damage 25% Deductibles - Correct Answer-Limit high number of claims Theft coverage - Correct Answer-(Comprehensive) covers rental car after 48 hours Loss of use - Correct Answer-Optional, rental Towing insured - Correct Answer-Optional Auto Damage Appraisal License MA - Correct Answer-Issued each year ($50) and renews 7/1 for all appraisers. If not renewed, there is a 60 day grace period Firewall - Correct Answer-Between engine & occupants Tint - Correct Answer-necessary to color match A/C Condenser - Correct Answer-holds R134A in front of radiator Radiator - Correct Answer-Part of cooling system, water flow counter clockwise, water in top hose from engine to radiator Fuel Injection - Correct Answer-Replaces carburetor Garnish Moldings - Correct Answer-Around windshield Reveal Moldings - Correct Answer-Inside cars AC/DC - Correct Answer-voltage regulator converts A/C current to D/C Heat in car - Correct Answer-Supplied by cooling system Tempered Glass - Correct Answer-Heated in manufacturing process Windshield - Correct Answer-Do not repair if in view area OEM - Correct Answer-Original Equipment MFG Aftermarket Parts - Correct Answer-Non-OEM VIN# - Correct Answer-Vehicle ID# (17 digits, 10 digit tells year of car, last 6 digits insured's car) Appearance Allowance - Correct Answer-A claim payment without replacing the damaged part Betterment - Correct Answer-Cost to upgrade, paid by insured Depreciation - Correct Answer-A decrease in value Contraction Repair Price - Correct Answer-Insured keeps car to repair on agreed contract price with body shop. No supplements paid by insurance company Fraud Unit SIU - Correct Answer-Special Investigative Unit to review fraud on claims, (each insurance company must have) U Bolts - Correct Answer-Attach leaf spring to axle Power Brakes - Correct Answer-Get power from booster Differential - Correct Answer-Delivers power to wheels CV joint - Correct Answer-Constant velocity 4 on unibody cars Crank Shaft - Correct Answer-Delivers power from engine to drive train Holes in Block - Correct Answer-Cylinders Connecting Rod - Correct Answer-Connected at prison by wrist pin Emissions System - Correct Answer-EGR Value, PCV Value, Gas canister Disc Brake Rotor - Correct Answer-Cooled by fins Abandon Vehicle - Correct Answer-Insurance Company cannot abandon car Trans X member - Correct Answer-Not part of unibody Air Bag Sensor - Correct Answer-Behind Dash ABS VIN# - Correct Answer-shows if equipped with ABS Year of Car - Correct Answer-tenth digit of VIN# shows year of car Drive Shaft - Correct Answer-Has U joints at each end Paint Time - Correct Answer-Includes mask adjacent panel, up to 36" Parts That Fit Multiple Years - Correct Answer-Interchangeable Revoke License - Correct Answer-After a hearing/surrender license to Board ABS - Correct Answer-Anti-Locking Braking System SRS - Correct Answer-Supplemental Restraint System Clear Coat - Correct Answer-2 stage paint system, can tell by sand paper paint if white dust has clear coat Part closest to radiator - Correct Answer-Air condenser or grille Drum Brake Shoe - Correct Answer-Returns after application by brake shoe return spring Hatch Back Car - Correct Answer-Back glass is in rear lid Tie Rods - Correct Answer-Connected to steering arm or spindle/knuckle Why Look At Cars - Correct Answ