NEW YORK STATE AUTO DAMAGE AND THEFT QUIZ 17-71
LATEST ACTUAL EXAM 170 QUESTIONS AND CORRECT
DETAILED ANSWERS
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
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?
,The loss will be partially paid.
The coverage could be denied.
The premium will be returned.
The policy will be cancelled. - ANSWER: The coverage could be denied
On what date must an adjuster license be renewed?
December 31 - even numbered years
April 1st of every other year
The license is continuous unless canceled or revoked
January 1st every four years - ANSWER: December 31 - even numbered years
What part of the exhaust system reduces the amount of pollution released into the
environment?
Muffler
Tailpipe
PCV valve
Heat shield - ANSWER: PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
Edge panel
Door decal
Sill - ANSWER: Side body molding
When performing an appraisal the vehicle should be inspected:
From the rear to the front
From the point of impact
From the front to the rear
None of the choices are correct - ANSWER: From the front to the rear
Which of the following is NOT a duty of an auto appraiser?
List unrelated damage to the vehicle
Describe condition of the vehicle
Identify betterment or depreciation
Determine "loss of use" damages - ANSWER: Determine "loss of use" damages
In rear wheel drive cars and trucks, the engine turns:
the transmission which is connected to a reduction gear via the driveshaft
a driveshaft which transmit rotational force to a drive axle at the rear of the vehicle
, the transaxle with a differential and universal joints between the wheels and creates
constant velocity
None of the responses are correct - ANSWER: a driveshaft which transmit rotational
force to a drive axle at the rear of the vehicle
If the 7th VIN is a number, then the vehicle was made prior to:
2000.
2005.
2010.
2012. - ANSWER: 2010
What component turns rotary motion of the crankshaft into up and down motion?
Camshaft
Piston
Cylinder
Engine block - ANSWER: Camshaft
Appraisers may secure or use repair estimates that have been obtained by the use
of:
Telephone calls
Photographs
Personal inspection
All of the responses are correct - ANSWER: Personal inspection
Which of the following are factors to consider when estimating a flooded vehicle?
I. Type of water
II. Amount of time submerged
III. Height of the flood
IV. How quickly can repairs begin
I, II and III only
II, III and IV only
I, II, III and IV
I, III and IV only - ANSWER: I, II, III and IV
Determining the value of a damaged vehicle as to its replacement value or actual
cash value it referred to as:
Damage value
Diminished value
Loss valuation
Market value - ANSWER: Loss valuation/This is called loss valuation. The insurer
reserves the right to repair or replace the damaged vehicle.
LATEST ACTUAL EXAM 170 QUESTIONS AND CORRECT
DETAILED ANSWERS
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
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?
,The loss will be partially paid.
The coverage could be denied.
The premium will be returned.
The policy will be cancelled. - ANSWER: The coverage could be denied
On what date must an adjuster license be renewed?
December 31 - even numbered years
April 1st of every other year
The license is continuous unless canceled or revoked
January 1st every four years - ANSWER: December 31 - even numbered years
What part of the exhaust system reduces the amount of pollution released into the
environment?
Muffler
Tailpipe
PCV valve
Heat shield - ANSWER: PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
Edge panel
Door decal
Sill - ANSWER: Side body molding
When performing an appraisal the vehicle should be inspected:
From the rear to the front
From the point of impact
From the front to the rear
None of the choices are correct - ANSWER: From the front to the rear
Which of the following is NOT a duty of an auto appraiser?
List unrelated damage to the vehicle
Describe condition of the vehicle
Identify betterment or depreciation
Determine "loss of use" damages - ANSWER: Determine "loss of use" damages
In rear wheel drive cars and trucks, the engine turns:
the transmission which is connected to a reduction gear via the driveshaft
a driveshaft which transmit rotational force to a drive axle at the rear of the vehicle
, the transaxle with a differential and universal joints between the wheels and creates
constant velocity
None of the responses are correct - ANSWER: a driveshaft which transmit rotational
force to a drive axle at the rear of the vehicle
If the 7th VIN is a number, then the vehicle was made prior to:
2000.
2005.
2010.
2012. - ANSWER: 2010
What component turns rotary motion of the crankshaft into up and down motion?
Camshaft
Piston
Cylinder
Engine block - ANSWER: Camshaft
Appraisers may secure or use repair estimates that have been obtained by the use
of:
Telephone calls
Photographs
Personal inspection
All of the responses are correct - ANSWER: Personal inspection
Which of the following are factors to consider when estimating a flooded vehicle?
I. Type of water
II. Amount of time submerged
III. Height of the flood
IV. How quickly can repairs begin
I, II and III only
II, III and IV only
I, II, III and IV
I, III and IV only - ANSWER: I, II, III and IV
Determining the value of a damaged vehicle as to its replacement value or actual
cash value it referred to as:
Damage value
Diminished value
Loss valuation
Market value - ANSWER: Loss valuation/This is called loss valuation. The insurer
reserves the right to repair or replace the damaged vehicle.
