PA Appraisal License 16-20
PA Appraisal License 16-20 Auto Physical
Damage Exam Study Guide Questions and
Answers 2025
In PA, a consumer reporting agency may list all of the following information about a
consumer EXCEPT: -Correct Answer ✅-Medical Information
The device that synchronizes the spark plug firing sequence is: -Correct Answer ✅-
Camshaft Sensor
If an insured fail to report a claim in a timely fashion the adjuster will usually: -Correct
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? -Correct 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? -Correct 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. -Correct 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 -Correct Answer ✅-Technician B only
Which of the following is the computer in the vehicle?
Controller
Pump
PA Appraisal License 16-20
,PA Appraisal License 16-20
Speed Sensors
Valves -Correct 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 -Correct 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 -Correct 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 -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. -Correct 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 -
Correct Answer ✅-The insurer
PA Appraisal License 16-20
,PA Appraisal License 16-20
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 -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. -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 -
Correct 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 -Correct Answer ✅-Radiator
An ECM is:
PA Appraisal License 16-20
, PA Appraisal License 16-20
a federal code within the Environmental Protection Agency (EPA).
a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. -Correct 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 -Correct 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. -Correct 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. -Correct 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
PA Appraisal License 16-20
PA Appraisal License 16-20 Auto Physical
Damage Exam Study Guide Questions and
Answers 2025
In PA, a consumer reporting agency may list all of the following information about a
consumer EXCEPT: -Correct Answer ✅-Medical Information
The device that synchronizes the spark plug firing sequence is: -Correct Answer ✅-
Camshaft Sensor
If an insured fail to report a claim in a timely fashion the adjuster will usually: -Correct
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? -Correct 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? -Correct 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. -Correct 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 -Correct Answer ✅-Technician B only
Which of the following is the computer in the vehicle?
Controller
Pump
PA Appraisal License 16-20
,PA Appraisal License 16-20
Speed Sensors
Valves -Correct 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 -Correct 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 -Correct 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 -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. -Correct 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 -
Correct Answer ✅-The insurer
PA Appraisal License 16-20
,PA Appraisal License 16-20
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 -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. -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 -
Correct 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 -Correct Answer ✅-Radiator
An ECM is:
PA Appraisal License 16-20
, PA Appraisal License 16-20
a federal code within the Environmental Protection Agency (EPA).
a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. -Correct 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 -Correct 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. -Correct 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. -Correct 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
PA Appraisal License 16-20
