State Farm Independent Auto Exam With
61 Questions and answers Updated
2025/26 RATED A+ 1005 PASS
Select Service Program - Correct Answers In some market areas, repairers have been selected to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
participate in State Farm's Select Service Program. The program is designed to enhance claim service,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
increase efficiency, and afford customers an opportunity to select qualified repairers to inspect and
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
estimate vehicle damage
II! II! II!
II! Paintless Dent repair - Correct Answers Paintless Dent Repair (PDR) is an industry recognized repair
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! process that involves the removal of hail dents or other types of damage from metal exterior surface
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! panels without disturbing the vehicle's finish. In most cases, this procedure involves the use of specialized
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! tools to apply II! II!
pressure to the backside of the panel to remove surface imperfections. Other techniques may be used to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair damage from the topside of the panel, depending on the size and location of the damage.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
By using either of these techniques, the technician is able to restore panel appearance
II! II! II! II! II! II! II! II! II! II! II! II! II!
which eliminates the need for refinishing the panel's surface area. The PDR process is often used to repair
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
hail damage or other similar dents that occur when an outer panel strikes (or is struck by) an object that
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
has not compromised the finish of the panel. Since the outer finish of the panel has not been disturbed, it
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
eliminates the refinishing process
II! II! II! II!
and may allow for repairs to be completed in a more timely and cost effective manner.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Determining Repair Costs - Correct Answers The prices we pay for most repair operations will be II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! determined from printed or electronic II! II! II! II!
collision estimating guides and repair facility survey results. However, it is not possible to
II! II! II! II! II! II! II! II! II! II! II! II! II!
determine the cost of every repair operation from these sources. For example, when estimating a sheet
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
metal
II!
or other repair operation, the labor estimate is based on judgment time. When estimating judgment time,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
it should follow what is competitive in the local market to repair the vehicle in a quality manner.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
, II! Estimats are based on - Correct Answers Estimates written or approved by
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
State Farm are based on labor rates and repair costs not to exceed what is charged by a majority of the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair market in a given area.
II! II! II! II! II! II!
II! Contracts with repairers - Correct Answers We do not enter into contracts with repairers on individual
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! repair jobs on a fixed or "contract" repair job basis. We pay for the estimated cost of repair based on
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! physical damage caused as a II! II! II! II!
result of the loss. II! II! II!
II! Freight Charges - Correct Answers Similarly, if freight charges are submitted to State Farm for payment,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! payment should normally be resisted. Freight charges are not considered as part of actual repair costs
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! and are generally aligned with an expense a repairer or dealership may incur as a result of operating the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! repair facility business. If a circumstance arises that may warrant additional consideration, local
II! II! II! II! II! II! II! II! II! II! II! II!
II! management should contact their assigned Estimatics consultant. II! II! II! II! II! II!
II! Minimum Cost - Correct Answers Establishing minimum costs or authority levels can provide a realistic
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! measure of repair costs for items such as the number of hours allowed for a complete refinish job,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! material costs, or similar items. II! II! II! II!
II! Publication of survey information - Correct Answers We will not knowingly violate that confidentialityII! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! by publicizing individual
II! II!
survey data to persons outside our organizationII! II! II! II! II! II!
II! Claims Summary - Correct Answers State Farm will pay claims based upon reasonable, competitive
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! prices for repairs necessary to II! II! II! II!
repair the vehicle in a quality manner. The policy contract and law of damages will assist us in
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
determining whether certain operations are payable II! II! II! II! II!
II! Non original equipment and recycled parts - Correct Answers State Farm promises satisfaction to the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! vehicle owner when new non-original equipment and/or
II! II! II! II! II! II!
recycled parts are specified on an estimate that is written or approved by State Farm or a Select Service
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair facility.
II! II!
The State Farm promise of satisfaction relative to non-original equipment or recycled parts does not
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
replace any quality or warranty provisions we require from repairers, non-original equipment,
II! II! II! II! II! II! II! II! II! II! II! II!
61 Questions and answers Updated
2025/26 RATED A+ 1005 PASS
Select Service Program - Correct Answers In some market areas, repairers have been selected to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
participate in State Farm's Select Service Program. The program is designed to enhance claim service,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
increase efficiency, and afford customers an opportunity to select qualified repairers to inspect and
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
estimate vehicle damage
II! II! II!
II! Paintless Dent repair - Correct Answers Paintless Dent Repair (PDR) is an industry recognized repair
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! process that involves the removal of hail dents or other types of damage from metal exterior surface
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! panels without disturbing the vehicle's finish. In most cases, this procedure involves the use of specialized
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! tools to apply II! II!
pressure to the backside of the panel to remove surface imperfections. Other techniques may be used to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair damage from the topside of the panel, depending on the size and location of the damage.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
By using either of these techniques, the technician is able to restore panel appearance
II! II! II! II! II! II! II! II! II! II! II! II! II!
which eliminates the need for refinishing the panel's surface area. The PDR process is often used to repair
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
hail damage or other similar dents that occur when an outer panel strikes (or is struck by) an object that
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
has not compromised the finish of the panel. Since the outer finish of the panel has not been disturbed, it
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
eliminates the refinishing process
II! II! II! II!
and may allow for repairs to be completed in a more timely and cost effective manner.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Determining Repair Costs - Correct Answers The prices we pay for most repair operations will be II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! determined from printed or electronic II! II! II! II!
collision estimating guides and repair facility survey results. However, it is not possible to
II! II! II! II! II! II! II! II! II! II! II! II! II!
determine the cost of every repair operation from these sources. For example, when estimating a sheet
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
metal
II!
or other repair operation, the labor estimate is based on judgment time. When estimating judgment time,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
it should follow what is competitive in the local market to repair the vehicle in a quality manner.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
, II! Estimats are based on - Correct Answers Estimates written or approved by
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
State Farm are based on labor rates and repair costs not to exceed what is charged by a majority of the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair market in a given area.
II! II! II! II! II! II!
II! Contracts with repairers - Correct Answers We do not enter into contracts with repairers on individual
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! repair jobs on a fixed or "contract" repair job basis. We pay for the estimated cost of repair based on
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! physical damage caused as a II! II! II! II!
result of the loss. II! II! II!
II! Freight Charges - Correct Answers Similarly, if freight charges are submitted to State Farm for payment,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! payment should normally be resisted. Freight charges are not considered as part of actual repair costs
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! and are generally aligned with an expense a repairer or dealership may incur as a result of operating the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! repair facility business. If a circumstance arises that may warrant additional consideration, local
II! II! II! II! II! II! II! II! II! II! II! II!
II! management should contact their assigned Estimatics consultant. II! II! II! II! II! II!
II! Minimum Cost - Correct Answers Establishing minimum costs or authority levels can provide a realistic
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! measure of repair costs for items such as the number of hours allowed for a complete refinish job,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! material costs, or similar items. II! II! II! II!
II! Publication of survey information - Correct Answers We will not knowingly violate that confidentialityII! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! by publicizing individual
II! II!
survey data to persons outside our organizationII! II! II! II! II! II!
II! Claims Summary - Correct Answers State Farm will pay claims based upon reasonable, competitive
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! prices for repairs necessary to II! II! II! II!
repair the vehicle in a quality manner. The policy contract and law of damages will assist us in
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
determining whether certain operations are payable II! II! II! II! II!
II! Non original equipment and recycled parts - Correct Answers State Farm promises satisfaction to the
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! vehicle owner when new non-original equipment and/or
II! II! II! II! II! II!
recycled parts are specified on an estimate that is written or approved by State Farm or a Select Service
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
repair facility.
II! II!
The State Farm promise of satisfaction relative to non-original equipment or recycled parts does not
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
replace any quality or warranty provisions we require from repairers, non-original equipment,
II! II! II! II! II! II! II! II! II! II! II! II!
