07 August 2026
New York State Auto Damage and Theft 2026/2027 Test
Exam 180 comprehensive questions | FREQUENTLY MOST
TESTED QUESTIONS AND VERIFIED SOLUTIONS/GET IT 100%
ACCURATE!! 2026!!
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 - correct 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 - correct 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 - correct answer-Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - correct answer-$1000
Which engine part lets air and fuel in and exhaust out of the engine?
,07 August 2026
Answer Choices: Select the Correct Answer
Piston rings
Valves
Crankshaft
Piston - correct answer-Valves
Instead of revoking an adjuster's license because of a violation, the Superintendent of
Insurance may invoke a penalty of up to ______ for each offense up to an aggregate
penalty of ______ for all offenses.
$1,000/$3,000
$2,000/$5,500
$500/$2,500
$5,000/$10,000 - correct answer-$500/$2,500
Which engine part moves up and down inside the cylinder?
Piston
Valve
Connecting rod
Crankshaft - correct answer-Piston
A claim has entered appraisal and the two appraisers cannot agree on the choice of an
umpire. The court will appoint an umpire who is:
Interested an impartial
Uninterested and impartial
Interested and partial
Uninterested and partial - correct answer-Uninterested and impartial
In New York, insurers must maintain a complaint record for ________ calendar years after all
elements of the complaint are resolved and the claim file is closed.
Four
Seven
Six
,07 August 2026
Five - correct answer-Six
What do we call the part in a rear wheel drive vehicle that sends power to the differential?
Drive shaft
Drive train
Connecting Rod
Camshaft - correct answer-Drive shaft
Which of the following individuals are NOT required to secure an adjuster license in New York?
A licensed New York attorney
An officer of an authorized insurer
None of these are required to hold an adjuster license
A licensed agent of an authorized insurer who adjusts losses as long as the agent receives no
compensation in excess of $50.00 per loss adjusted - correct answer-None of these are required to
hold an adjuster license
In the four-stroke power cycle, what term describes the up motion of the piston?
Compression stroke
Intake stroke
Power stroke
Exhaust stroke - correct answer-Compression stroke
What is the purpose of the EGR valve?
Increases horsepower
Controls brake fluid pressure
Decreases auto's noxious emissions
Controls cruise control speeds - correct answer-Decreases auto's noxious emissions
According to the Federal Motor Vehicle Safety Standard, a vehicle with front end damage requires
the repair to include:
Bumpers that can absorb an impact speed of at least 2.5 mph.
, 07 August 2026
Bumpers that can absorb an impact speed of at least 5 mph with no more then a 3/8 inch dent or
3/4 inch displacement from the original position.
Full replacement of the front end if the speed at the time of the impact was over 5 mph.
All of the answer choices are correct - correct answer-Bumpers that can absorb an impact speed of
at least 2.5 mph.
The thin, horizontal baffles that separate the tubes within the radiator core are called:
fins.
insulation.
tubules.
tie bars. - correct answer-fins
The roof panel is supported by which of the following?
Right front pillar, left front pillar, center cowl, posts
Right front pillar, left front pillar, posts, sheet panel
Right front pillar, left front pillar, center mouldings, post spoiler
None of the responses are correct - correct answer-None of the responses are correct. Some
modern vehicles combine the roof structure and the rear fender or quarter panel into one part,
which includes multiple grades of steel thickness.
An adjuster commits an act of insurance fraud addressed by the Federal Insurance Fraud
Act. The fraud does not affect the financial stability of the company. What is the
maximum time the adjuster may be confined to prison?
5 years
10 years
6 months
30 days - correct answer-10 years
This type of offense carries up to a 10 year sentence. The sentence is increased to 15 years if it
affects the financial stability of the insurer.
What component combines the deck lid and stationary back glass into a single assembly that lifts up
like a deck lid?
Fender
Hatchback
New York State Auto Damage and Theft 2026/2027 Test
Exam 180 comprehensive questions | FREQUENTLY MOST
TESTED QUESTIONS AND VERIFIED SOLUTIONS/GET IT 100%
ACCURATE!! 2026!!
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 - correct 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 - correct 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 - correct answer-Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - correct answer-$1000
Which engine part lets air and fuel in and exhaust out of the engine?
,07 August 2026
Answer Choices: Select the Correct Answer
Piston rings
Valves
Crankshaft
Piston - correct answer-Valves
Instead of revoking an adjuster's license because of a violation, the Superintendent of
Insurance may invoke a penalty of up to ______ for each offense up to an aggregate
penalty of ______ for all offenses.
$1,000/$3,000
$2,000/$5,500
$500/$2,500
$5,000/$10,000 - correct answer-$500/$2,500
Which engine part moves up and down inside the cylinder?
Piston
Valve
Connecting rod
Crankshaft - correct answer-Piston
A claim has entered appraisal and the two appraisers cannot agree on the choice of an
umpire. The court will appoint an umpire who is:
Interested an impartial
Uninterested and impartial
Interested and partial
Uninterested and partial - correct answer-Uninterested and impartial
In New York, insurers must maintain a complaint record for ________ calendar years after all
elements of the complaint are resolved and the claim file is closed.
Four
Seven
Six
,07 August 2026
Five - correct answer-Six
What do we call the part in a rear wheel drive vehicle that sends power to the differential?
Drive shaft
Drive train
Connecting Rod
Camshaft - correct answer-Drive shaft
Which of the following individuals are NOT required to secure an adjuster license in New York?
A licensed New York attorney
An officer of an authorized insurer
None of these are required to hold an adjuster license
A licensed agent of an authorized insurer who adjusts losses as long as the agent receives no
compensation in excess of $50.00 per loss adjusted - correct answer-None of these are required to
hold an adjuster license
In the four-stroke power cycle, what term describes the up motion of the piston?
Compression stroke
Intake stroke
Power stroke
Exhaust stroke - correct answer-Compression stroke
What is the purpose of the EGR valve?
Increases horsepower
Controls brake fluid pressure
Decreases auto's noxious emissions
Controls cruise control speeds - correct answer-Decreases auto's noxious emissions
According to the Federal Motor Vehicle Safety Standard, a vehicle with front end damage requires
the repair to include:
Bumpers that can absorb an impact speed of at least 2.5 mph.
, 07 August 2026
Bumpers that can absorb an impact speed of at least 5 mph with no more then a 3/8 inch dent or
3/4 inch displacement from the original position.
Full replacement of the front end if the speed at the time of the impact was over 5 mph.
All of the answer choices are correct - correct answer-Bumpers that can absorb an impact speed of
at least 2.5 mph.
The thin, horizontal baffles that separate the tubes within the radiator core are called:
fins.
insulation.
tubules.
tie bars. - correct answer-fins
The roof panel is supported by which of the following?
Right front pillar, left front pillar, center cowl, posts
Right front pillar, left front pillar, posts, sheet panel
Right front pillar, left front pillar, center mouldings, post spoiler
None of the responses are correct - correct answer-None of the responses are correct. Some
modern vehicles combine the roof structure and the rear fender or quarter panel into one part,
which includes multiple grades of steel thickness.
An adjuster commits an act of insurance fraud addressed by the Federal Insurance Fraud
Act. The fraud does not affect the financial stability of the company. What is the
maximum time the adjuster may be confined to prison?
5 years
10 years
6 months
30 days - correct answer-10 years
This type of offense carries up to a 10 year sentence. The sentence is increased to 15 years if it
affects the financial stability of the insurer.
What component combines the deck lid and stationary back glass into a single assembly that lifts up
like a deck lid?
Fender
Hatchback
