New York Auto Exam 2026 Questions and
Answers
insurers specifying the use of non-original equipment manufacture replacement
crash parts shall not be required to pay the cost of any modifications to the parts
which may become necessary to effect the repair.. - Correct Answer -Which of the
following is not a true statement regarding the use of non-original equipment
manufacture replacement parts for vehicles?
A semi-trailer - Correct Answer -The commercial auto policy can be used to cover
which of the following?
Only a portion of a partial loss will be paid..
EXPLANATION:
If the insured's policy contains a coinsurance clause and the insured carries less
than 80% of the value of the property, a penalty will occur in case of partial losses.
The insured can always insure for more than 80% of the value of the property. -
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, Correct Answer -The penalty for failure to satisfy a coinsurance requirement of a
property insurance policy is:
I, II, and III only.
EXPLANATION:
Negligence is established as a tort - a civil wrong. It occurs when one party, either
through action or inaction, fails to exhibit a reasonable care that causes another
party unnecessary harm but it is not necessarily criminal conduct. The negligent
party is presumed to have an obligation or duty to protect against the negligent act.
- Correct Answer -The elements of negligence include:
I. A duty of care existed.
II. A duty of care was breached.
III. Injury or damage resulted.
IV. Criminal conduct.
An auto body repair estimator. .
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Answers
insurers specifying the use of non-original equipment manufacture replacement
crash parts shall not be required to pay the cost of any modifications to the parts
which may become necessary to effect the repair.. - Correct Answer -Which of the
following is not a true statement regarding the use of non-original equipment
manufacture replacement parts for vehicles?
A semi-trailer - Correct Answer -The commercial auto policy can be used to cover
which of the following?
Only a portion of a partial loss will be paid..
EXPLANATION:
If the insured's policy contains a coinsurance clause and the insured carries less
than 80% of the value of the property, a penalty will occur in case of partial losses.
The insured can always insure for more than 80% of the value of the property. -
©COPYRIGHT 2025 ALL RIGHTS RESERVED 1
, Correct Answer -The penalty for failure to satisfy a coinsurance requirement of a
property insurance policy is:
I, II, and III only.
EXPLANATION:
Negligence is established as a tort - a civil wrong. It occurs when one party, either
through action or inaction, fails to exhibit a reasonable care that causes another
party unnecessary harm but it is not necessarily criminal conduct. The negligent
party is presumed to have an obligation or duty to protect against the negligent act.
- Correct Answer -The elements of negligence include:
I. A duty of care existed.
II. A duty of care was breached.
III. Injury or damage resulted.
IV. Criminal conduct.
An auto body repair estimator. .
©COPYRIGHT 2025 ALL RIGHTS RESERVED 2
