PA APPRAISAL LICENSE 16-20 AUTO PHYSICAL DAMAGE
NEWEST 2024 ACTUAL EXAM COMPLETE 100
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) |ALREADY GRADED A+
In PA, a consumer reporting agency may list all of the following information about a
consumer EXCEPT: - ANSWER: Medical Information
The device that synchronizes the spark plug firing sequence is: - ANSWER: Camshaft
Sensor
If an insured fail to report a claim in a timely fashion the adjuster will usually: -
ANSWER: Send the insured a reservation of rights letter
When using a dedicated bench fixture to measure a unibody with front-end damage,
where should fixtures be placed? - ANSWER: Fixtures should be placed in the
damaged area to check fit up to the jig.
Vehicle name plates such as Grand Prix SE are only available through the dealership
and are purchased in what way? - ANSWER: Nameplates are not available
aftermarket and are usually purchased from the dealer on a per item basis
Under Pennsylvania law, which of the following is true regarding the replacement of
a damaged double hood latch?:
It may be replaced with any working latch system from a salvage yard.
It must be replaced with any new hood latch system.
It must be replaced with a double latch system.
It may be replaced with a single hood latch system. - ANSWER: It must be replaced
with a double latch system. is correct.
Technician A says that damaged structural sheet metal should be removed before
any pulling and straightening is performed. Technician B says that damaged
structural metal should remain to be used for pulling attachment areas. Who is
right?:
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct - ANSWER: Technician B only
Which of the following is the computer in the vehicle?
Controller
Pump
,Speed Sensors
Valves - ANSWER: Controller
If an insured fails to report a claim in a timely fashion, the adjuster will immediately:
Deny the claim.
Send the insured a reservation of rights letter.
Cease the claims investigation.
Seek the advice of the company's attorney - ANSWER: Send the insured a
reservation of rights letter..
If an auto appraiser uses the actual cost method to determine a vehicle's value,
which of the following is not a factor?:
The location of the vehicle of like kind and quality
The salvage value of the damaged vehicle
The actual cost of an available vehicle in similar condition to or better than the
motor vehicle being appraised
The vehicle being appraised is similar to the damaged vehicle in its pre-damaged
condition - ANSWER: The salvage value of the damaged vehicle
A structural rail is being cut for sectioning. Technician A says to use a cutting torch to
make the final cut line. Technician B says to use a cut-off wheel or saw to make the
final cut. Who is right?
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct - ANSWER: Technician B only
Which of the following coverages is included as "no-fault" coverage on the
standardized Personal Auto policy?:
Uninsured Motorists coverage.
Medical Payments and Physical Damage.
A state-mandated "no-fault" coverage plan.
Liability coverage. - ANSWER: Medical Payments and Physical Damage
Following the payment of an automobile claim, the salvaged property becomes the
property of:
The insured
The insurer
A third party salvage company contracted by the insured
The State until sold and the proceeds deducted from the claim payment to the
insured - ANSWER: The insurer
,A car has adjustable door hinges. There is a significant gap at the top of the front top
and the bottom as well between the front fender and the windshield support column
of the door. Technician A says the gap can be adjusted by repositioning the hinges.
Technician B says the gap can be adjusted by shimming the hinges. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technicians are correct - ANSWER: Technician A only
Driver 1 and Driver 2 are in an accident. Driver 2 has the following damages:
Property Damage - $1,000
Rental Car Expense - $500
Emergency Room Expense - $400
Lost Wages - $300
The extent of the bodily injury will not be known for six months. How should the
adjuster on this claim pay damages for Driver 2?
Pay all damage to date, provide a full and final release has been signed by Driver 2.
Pay nothing until total of all damages has been determined.
Pay the property damage and rental car expense and settle the bodily injury at a
later time.
None of the responses listed are correct. - ANSWER: Pay the property damage and
rental car expense and settle the bodily injury at a later time..
Which of the following would not have an insurable interest in a covered vehicle?:
An underage driver who lives in the household
A lien holder
A vehicle jointly owned by a husband and wife
A vehicle the father has sold to an offspring and agrees to let her make payments -
ANSWER: An underage driver who lives in the household.
Which one of the following components is NOT part of the radiator support?:
Side baffles
Upper tie bar
Lower tie bar
Radiator - ANSWER: Radiator
An ECM is:
a federal code within the Environmental Protection Agency (EPA).
, a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. - ANSWER: an electronic control module
Which of the following would not be considered a "peril" insured against by the
physical damage coverages in an auto policy?
Select the Correct Answer
Theft of the vehicle by an unknown person not permitted to operate the vehicle
Flood damage to the vehicle
Fire caused intentionally by the owner
Glass breakage, lightning, vandalism and wind - ANSWER: Fire caused intentionally
by the owner
In order for a "full release settlement" to become closed, what MUST occur?
Select the Correct Answer
The release must contain the proper names of both the first and third party.
The release must contain the date, time and place that the accident occurred.
The release must be properly signed.
The claim check must be cashed by the claimant. - ANSWER: The claim check must
be cashed by the claimant
Automotive paint needs to maintain flexibility so that:
Select the Correct Answer
It won't split when panels are damaged.
Moisture won't affect it.
It can expand and contract with the vehicle body.
Minor dents can be repaired. - ANSWER: It can expand and contract with the vehicle
body
Which of the garage policy coverages will pay for physical damage to a garage
customer's auto regardless of legal liability?
Select the Correct Answer
Section II - Garage Liability coverage.
Section IV - Garage physical damage coverage.
NEWEST 2024 ACTUAL EXAM COMPLETE 100
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) |ALREADY GRADED A+
In PA, a consumer reporting agency may list all of the following information about a
consumer EXCEPT: - ANSWER: Medical Information
The device that synchronizes the spark plug firing sequence is: - ANSWER: Camshaft
Sensor
If an insured fail to report a claim in a timely fashion the adjuster will usually: -
ANSWER: Send the insured a reservation of rights letter
When using a dedicated bench fixture to measure a unibody with front-end damage,
where should fixtures be placed? - ANSWER: Fixtures should be placed in the
damaged area to check fit up to the jig.
Vehicle name plates such as Grand Prix SE are only available through the dealership
and are purchased in what way? - ANSWER: Nameplates are not available
aftermarket and are usually purchased from the dealer on a per item basis
Under Pennsylvania law, which of the following is true regarding the replacement of
a damaged double hood latch?:
It may be replaced with any working latch system from a salvage yard.
It must be replaced with any new hood latch system.
It must be replaced with a double latch system.
It may be replaced with a single hood latch system. - ANSWER: It must be replaced
with a double latch system. is correct.
Technician A says that damaged structural sheet metal should be removed before
any pulling and straightening is performed. Technician B says that damaged
structural metal should remain to be used for pulling attachment areas. Who is
right?:
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct - ANSWER: Technician B only
Which of the following is the computer in the vehicle?
Controller
Pump
,Speed Sensors
Valves - ANSWER: Controller
If an insured fails to report a claim in a timely fashion, the adjuster will immediately:
Deny the claim.
Send the insured a reservation of rights letter.
Cease the claims investigation.
Seek the advice of the company's attorney - ANSWER: Send the insured a
reservation of rights letter..
If an auto appraiser uses the actual cost method to determine a vehicle's value,
which of the following is not a factor?:
The location of the vehicle of like kind and quality
The salvage value of the damaged vehicle
The actual cost of an available vehicle in similar condition to or better than the
motor vehicle being appraised
The vehicle being appraised is similar to the damaged vehicle in its pre-damaged
condition - ANSWER: The salvage value of the damaged vehicle
A structural rail is being cut for sectioning. Technician A says to use a cutting torch to
make the final cut line. Technician B says to use a cut-off wheel or saw to make the
final cut. Who is right?
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct - ANSWER: Technician B only
Which of the following coverages is included as "no-fault" coverage on the
standardized Personal Auto policy?:
Uninsured Motorists coverage.
Medical Payments and Physical Damage.
A state-mandated "no-fault" coverage plan.
Liability coverage. - ANSWER: Medical Payments and Physical Damage
Following the payment of an automobile claim, the salvaged property becomes the
property of:
The insured
The insurer
A third party salvage company contracted by the insured
The State until sold and the proceeds deducted from the claim payment to the
insured - ANSWER: The insurer
,A car has adjustable door hinges. There is a significant gap at the top of the front top
and the bottom as well between the front fender and the windshield support column
of the door. Technician A says the gap can be adjusted by repositioning the hinges.
Technician B says the gap can be adjusted by shimming the hinges. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technicians are correct - ANSWER: Technician A only
Driver 1 and Driver 2 are in an accident. Driver 2 has the following damages:
Property Damage - $1,000
Rental Car Expense - $500
Emergency Room Expense - $400
Lost Wages - $300
The extent of the bodily injury will not be known for six months. How should the
adjuster on this claim pay damages for Driver 2?
Pay all damage to date, provide a full and final release has been signed by Driver 2.
Pay nothing until total of all damages has been determined.
Pay the property damage and rental car expense and settle the bodily injury at a
later time.
None of the responses listed are correct. - ANSWER: Pay the property damage and
rental car expense and settle the bodily injury at a later time..
Which of the following would not have an insurable interest in a covered vehicle?:
An underage driver who lives in the household
A lien holder
A vehicle jointly owned by a husband and wife
A vehicle the father has sold to an offspring and agrees to let her make payments -
ANSWER: An underage driver who lives in the household.
Which one of the following components is NOT part of the radiator support?:
Side baffles
Upper tie bar
Lower tie bar
Radiator - ANSWER: Radiator
An ECM is:
a federal code within the Environmental Protection Agency (EPA).
, a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. - ANSWER: an electronic control module
Which of the following would not be considered a "peril" insured against by the
physical damage coverages in an auto policy?
Select the Correct Answer
Theft of the vehicle by an unknown person not permitted to operate the vehicle
Flood damage to the vehicle
Fire caused intentionally by the owner
Glass breakage, lightning, vandalism and wind - ANSWER: Fire caused intentionally
by the owner
In order for a "full release settlement" to become closed, what MUST occur?
Select the Correct Answer
The release must contain the proper names of both the first and third party.
The release must contain the date, time and place that the accident occurred.
The release must be properly signed.
The claim check must be cashed by the claimant. - ANSWER: The claim check must
be cashed by the claimant
Automotive paint needs to maintain flexibility so that:
Select the Correct Answer
It won't split when panels are damaged.
Moisture won't affect it.
It can expand and contract with the vehicle body.
Minor dents can be repaired. - ANSWER: It can expand and contract with the vehicle
body
Which of the garage policy coverages will pay for physical damage to a garage
customer's auto regardless of legal liability?
Select the Correct Answer
Section II - Garage Liability coverage.
Section IV - Garage physical damage coverage.
