PA APPRAISAL LICENSE 16-20 AUTO PHYSICAL
DAMAGE EXAM AND PRACTICE EXAM NEWEST 2026
TEST BANK| COMPLETE 550 REAL EXAM QUESTIONS
AND CORRECT VERIFIRED ANSWERS/ ALREADY
GRADED A+ (MOST RECENT!!)
Which of the following is the computer in the vehicle?
A. Controller
B. Pump
C. Speed Sensors
D. Valves - Correct Answer - Controller
Which of the following coverages is included as "no-fault" coverage on
the standardized Personal Auto policy?
A. Uninsured Motorists coverage.
B. Medical Payments and Physical Damage.
C. A state-mandated "no-fault" coverage plan.
D. Liability coverage. - Correct Answer - Medical Payments and
Physical Damage
Which of the following would not be considered a "peril" insured
against by the physical damage coverages in an auto policy?
A. Theft of the vehicle by an unknown person not permitted to operate
the vehicle
B. Flood damage to the vehicle
C. Fire caused intentionally by the owner
pg. 1
,D. Glass breakage, lightning, vandalism and wind - Correct Answer -
Fire caused intentionally by the owner
Which of the garage policy coverages will pay for physical damage to a
garage customer's auto regardless of legal liability?
A. Section II - Garage Liability coverage.
B. Section IV - Garage physical damage coverage.
C. Garagekeepers legal liability coverage.
D. Garagekeepers direct primary coverage. - Correct Answer -
Garagekeepers direct primary coverage
Which of the following terms supports insurable interest?
A. Actual cash value
B. Indemnity
C. Replacement cost
D. Fair market value - Correct Answer – Indemnity.
Insurable interest is economic interest; having a financial stake in
property; having something to lose in property. When you own property,
have property of others in your possession, or have legal title to
property, you have an insurable interest. If there is a covered loss, you
will be indemnified or made who only to the extent of your insurable
interest and subject to the policy limits.
An automobile that has its substructure built into the front end and body
panels of the vehicle is called a:
A. shell vehicle.
B. channel vehicle.
pg. 2
,C. conventional frame vehicle.
D. unibody vehicle. - Correct Answer - unibody vehicle.
A conventional frame vehicle has a separate substructure to which the
vehicle's front end, body and mechanical parts are bolted. There is no
such thing as a shell or channel vehicle. An automobile that has its
substructure built into the front end and body panels of the vehicle is
called a unibody vehicle.
An automatic seat belt system that has the shoulder belt connected to the
door is a/an:
A. motorized system.
B. non-motorized system.
C. electric system.
D. computer-controlled system. - Correct Answer - motorized system.
In a motorized system, the shoulder belt is attached to a motor that runs
along a track on the inside of the door; the lap belt must still be manually
fastened. There is no such thing as an electric or computer-controlled
automatic seat belt system.
In Pennsylvania, the civil penalty for replacing any vehicle safety
equipment in violation of Federal motor vehicle safety standards adopted
by regulation by the Department is:
A. $10,000.
B. $100.
C. $1,000.
D. $500. - Correct Answer - $100.
Any person convicted of such a violation is subject to a civil penalty of
not more than $100 for each violation. Each such a violation will
pg. 3
, constitute a separate violation with respect to each motor vehicle or item
of motor vehicle equipment. However, the maximum civil penalty will
not exceed $10,000 for any related series of violations.
There are two main types of control for multi-port systems. The fuel
injectors can all open at the same time, or each one can open just before
the intake valve for its cylinder opens. What is this called?
A. throttle body fuel injection
B. sequential multi-port fuel injection
C. central fuel injection
D. carburetor spray injection - Correct Answer - sequential multi-port
fuel injection.
There are two main types of control for multi-port systems: The fuel
injectors can all open at the same time, or each one can open just before
the intake valve for its cylinder opens (this is called sequential multi-port
fuel injection). The advantage of sequential fuel injection is that if the
driver makes a sudden change, the system can respond more quickly
because from the time the change is made, it only has to wait until the
next intake valve opens, not for the next complete revolution of the
engine.
What component is mixed with water to make coolant/antifreeze for use
in an auto's engine cooling system for more efficient cooling?
A. Gasoline
B. Ethylene glycol or propylene glycol
C. Refrigerant
D. Oil - Correct Answer - Ethylene glycol or propylene glycol.
Gasoline is used to fuel the engine. Oil is used to cool the engine. The
air conditioning system uses a refrigerant to cool the passenger
pg. 4
DAMAGE EXAM AND PRACTICE EXAM NEWEST 2026
TEST BANK| COMPLETE 550 REAL EXAM QUESTIONS
AND CORRECT VERIFIRED ANSWERS/ ALREADY
GRADED A+ (MOST RECENT!!)
Which of the following is the computer in the vehicle?
A. Controller
B. Pump
C. Speed Sensors
D. Valves - Correct Answer - Controller
Which of the following coverages is included as "no-fault" coverage on
the standardized Personal Auto policy?
A. Uninsured Motorists coverage.
B. Medical Payments and Physical Damage.
C. A state-mandated "no-fault" coverage plan.
D. Liability coverage. - Correct Answer - Medical Payments and
Physical Damage
Which of the following would not be considered a "peril" insured
against by the physical damage coverages in an auto policy?
A. Theft of the vehicle by an unknown person not permitted to operate
the vehicle
B. Flood damage to the vehicle
C. Fire caused intentionally by the owner
pg. 1
,D. Glass breakage, lightning, vandalism and wind - Correct Answer -
Fire caused intentionally by the owner
Which of the garage policy coverages will pay for physical damage to a
garage customer's auto regardless of legal liability?
A. Section II - Garage Liability coverage.
B. Section IV - Garage physical damage coverage.
C. Garagekeepers legal liability coverage.
D. Garagekeepers direct primary coverage. - Correct Answer -
Garagekeepers direct primary coverage
Which of the following terms supports insurable interest?
A. Actual cash value
B. Indemnity
C. Replacement cost
D. Fair market value - Correct Answer – Indemnity.
Insurable interest is economic interest; having a financial stake in
property; having something to lose in property. When you own property,
have property of others in your possession, or have legal title to
property, you have an insurable interest. If there is a covered loss, you
will be indemnified or made who only to the extent of your insurable
interest and subject to the policy limits.
An automobile that has its substructure built into the front end and body
panels of the vehicle is called a:
A. shell vehicle.
B. channel vehicle.
pg. 2
,C. conventional frame vehicle.
D. unibody vehicle. - Correct Answer - unibody vehicle.
A conventional frame vehicle has a separate substructure to which the
vehicle's front end, body and mechanical parts are bolted. There is no
such thing as a shell or channel vehicle. An automobile that has its
substructure built into the front end and body panels of the vehicle is
called a unibody vehicle.
An automatic seat belt system that has the shoulder belt connected to the
door is a/an:
A. motorized system.
B. non-motorized system.
C. electric system.
D. computer-controlled system. - Correct Answer - motorized system.
In a motorized system, the shoulder belt is attached to a motor that runs
along a track on the inside of the door; the lap belt must still be manually
fastened. There is no such thing as an electric or computer-controlled
automatic seat belt system.
In Pennsylvania, the civil penalty for replacing any vehicle safety
equipment in violation of Federal motor vehicle safety standards adopted
by regulation by the Department is:
A. $10,000.
B. $100.
C. $1,000.
D. $500. - Correct Answer - $100.
Any person convicted of such a violation is subject to a civil penalty of
not more than $100 for each violation. Each such a violation will
pg. 3
, constitute a separate violation with respect to each motor vehicle or item
of motor vehicle equipment. However, the maximum civil penalty will
not exceed $10,000 for any related series of violations.
There are two main types of control for multi-port systems. The fuel
injectors can all open at the same time, or each one can open just before
the intake valve for its cylinder opens. What is this called?
A. throttle body fuel injection
B. sequential multi-port fuel injection
C. central fuel injection
D. carburetor spray injection - Correct Answer - sequential multi-port
fuel injection.
There are two main types of control for multi-port systems: The fuel
injectors can all open at the same time, or each one can open just before
the intake valve for its cylinder opens (this is called sequential multi-port
fuel injection). The advantage of sequential fuel injection is that if the
driver makes a sudden change, the system can respond more quickly
because from the time the change is made, it only has to wait until the
next intake valve opens, not for the next complete revolution of the
engine.
What component is mixed with water to make coolant/antifreeze for use
in an auto's engine cooling system for more efficient cooling?
A. Gasoline
B. Ethylene glycol or propylene glycol
C. Refrigerant
D. Oil - Correct Answer - Ethylene glycol or propylene glycol.
Gasoline is used to fuel the engine. Oil is used to cool the engine. The
air conditioning system uses a refrigerant to cool the passenger
pg. 4
