NewWYorkWStateWAutoWDamageWandWTheftW
quizW17-71
JimWSmithWisWinvolvedWinWaWcollisionWclaimWandWisWnoWlongerWableWtoWuse
WtheWvehicleWtoWgoWtoW work.WThisW"lossW ofWuse"W isW referredW toWasWa:
DirectW lossW In
directW lossW L
ossWevaluation
ConsequentialW lossW-W ANS-ConsequentialWloss
WhenWtheWrearWofWtheWvehicleWisWdamagedWandWthereWisWaWgapWbetween
WtheWtrunkWlidWandWtheW quarterW panel,W whatW elseW onW theW vehicleW shouldWt
heWappraiserW check?
TheW centerW pillar
WTheW trunkWfloo
rW TheWquarterWp
anels
TheWframeW railsW -WANS-TheWframeW rails
InWautoWphysicalWdamageWinsurance,WanWinsuredWperilWcauseWofWlossWis
WknownWas:W DirectWloss
IndirectW lossW
LossWevaluatio
n
ConsequentialW lossW-W ANS-DirectW loss
IfWanWappraiserWhasWtoWforfeitW hisWbondW inW NewWYork.WTheWamountWofWthe
WbondW is:
$500
$1000
$2000
$5000W -WANS-$1000
WhichW ofWtheWfollowingW isW NOTW aWtrueWstatementW regardingW autoW appraisers
?
,EachW appraiser,W whileW engagedW inW appraisalW duties,W mustWcarryW theW license
WissuedW toW himWbyWtheWInsuranceWDepartmentWandWdisplayWit,WuponWreques
t,WtoWanWownerWwhoseWvehicleWisWbeingW inspected,WtoW theWrepairW shopW rep
resentativeW involved.
TheWappraiserW mustWleaveW aWlegibleW copyW ofWhisW appraisalW withW thatW ofW
theW repairW shopW selectedWbyWtheWconsumerWtoWmakeWtheWrepairsWandWals
oWfurnishWaWcopyWtoWtheWownerWofW theW vehicle.
NoWappraiserWisWpermittedWsecureWorWuseWrepairWestimatesWthatWhaveWbeenW
obtainedWbyWtheW useW ofWphotographs,W telephoneW callsWorW inW anyWmannerWot
herW thanW aWpersonalW inspection.WTheW appraiserW isWpermittedWtoWtrafficW inWau
tomobileW salvageW ifWsuchW salvageW isWobtainedW inWanyW wayW asWaW resultW of
WappraisalW servicesWrenderedW byWhimWforW hisWownWbenefit.W-
ANS-
TheWappraiserWisWpermittedWtoWtrafficWinWautomobileWsalvageWifWsuchWs
alvageWisWobtainedWinWanyWwayWasWaWresultWofWappraisalWservicesWre
nderedWbyWhimWforWhisWownW benefit.
TheWburdenWofWproofWthatWaWcoveredWlossWhasWoccurredWisWnor
mallyWaWdutyWof:WTheW insuranceW company
TheW adjuster
TheW appraiser
TheW insuredW -W ANS-TheW insured
BeforeW revokingW orWsuspendingW aWlicense,W theW SuperintendentWmustWfirst
Wsend
WnoticeW andW giveW theWaccusedWanWopportunityWforWaWhearing.
3W months
45W days.
10W days.
60Wdays.W -W ANS-1oWdays
TheWlinkageWbetweenWtheWcamshaftWandWtheWvalvesWisWcommonlyWknow
nWasWthe:W piston.
crankshaft.Wval
veW train.
cylinder.W-WANS-valveWtrain
WhichWofWtheWfollowingWisWtheWcomputerWinWtheWvehic
le?W Controller
,Pump
, SpeedW Sensors
ValvesW-WANS-Controller
PaymentWmayWbeWmadeWifWwhichWofWtheWfollowingWproceduresWhasWbe
enWexecuted?W AWpartialW signedW release
AWWalk-AwayWrelease
AW prima-faciaW signedW release
NoneWofWtheW answerW choicesW isW correct.W -W ANS-AWWalk-
AwayW release/TheWWalk-
AwayW releaseWindicatesWtheWfinalWdispositionWofWtheWmatterWandWrelinquishes
WtheWclaimant'sWrightW toW sueW soW paymentWmayW beW issued.WInWsomeW states
WtheW signingW ofWtheW paymentW checkW indicatesW aWWalk-AwayW release.
IfWanWinsuredWfailsWtoWcomplyW withWtheWimmediateWnoticeWofWclaimWrequirem
ent,WwhichWofWtheWfollowingW couldW happen?
TheW lossW willW beW partiallyW
paid.WTheWcoverageWcouldW
beWdenied.WTheW premiumW
willW beW returned.
TheWpolicyWwillWbeWcancelled.W-WANS-
TheWcoverageWcouldWbeWdeniedW OnW whatW dateWmustW anW
adjusterW licenseW beWrenewed?
DecemberW31W-
WevenWnumberedWyearsW AprilW 1st
WofWeveryW otherW year
TheW licenseW isW continuousW unlessW canceledWorW revoked
JanuaryW 1stW everyW fourW yearsW -W ANS-DecemberW31W -W evenWnumberedW years
WhatWpartWofWtheWexhaustWsystemWreducesWtheWamountWofWpollutionWrelease
dWintoWtheW environment?
Muffler
WTailpip
e
PCVW valve
HeatW shieldW -WANS-PCVW valve
WhatWisWtheWfirstWmoldingWcalledWonWtheWoutsideWofWtheWvehicleWunder
quizW17-71
JimWSmithWisWinvolvedWinWaWcollisionWclaimWandWisWnoWlongerWableWtoWuse
WtheWvehicleWtoWgoWtoW work.WThisW"lossW ofWuse"W isW referredW toWasWa:
DirectW lossW In
directW lossW L
ossWevaluation
ConsequentialW lossW-W ANS-ConsequentialWloss
WhenWtheWrearWofWtheWvehicleWisWdamagedWandWthereWisWaWgapWbetween
WtheWtrunkWlidWandWtheW quarterW panel,W whatW elseW onW theW vehicleW shouldWt
heWappraiserW check?
TheW centerW pillar
WTheW trunkWfloo
rW TheWquarterWp
anels
TheWframeW railsW -WANS-TheWframeW rails
InWautoWphysicalWdamageWinsurance,WanWinsuredWperilWcauseWofWlossWis
WknownWas:W DirectWloss
IndirectW lossW
LossWevaluatio
n
ConsequentialW lossW-W ANS-DirectW loss
IfWanWappraiserWhasWtoWforfeitW hisWbondW inW NewWYork.WTheWamountWofWthe
WbondW is:
$500
$1000
$2000
$5000W -WANS-$1000
WhichW ofWtheWfollowingW isW NOTW aWtrueWstatementW regardingW autoW appraisers
?
,EachW appraiser,W whileW engagedW inW appraisalW duties,W mustWcarryW theW license
WissuedW toW himWbyWtheWInsuranceWDepartmentWandWdisplayWit,WuponWreques
t,WtoWanWownerWwhoseWvehicleWisWbeingW inspected,WtoW theWrepairW shopW rep
resentativeW involved.
TheWappraiserW mustWleaveW aWlegibleW copyW ofWhisW appraisalW withW thatW ofW
theW repairW shopW selectedWbyWtheWconsumerWtoWmakeWtheWrepairsWandWals
oWfurnishWaWcopyWtoWtheWownerWofW theW vehicle.
NoWappraiserWisWpermittedWsecureWorWuseWrepairWestimatesWthatWhaveWbeenW
obtainedWbyWtheW useW ofWphotographs,W telephoneW callsWorW inW anyWmannerWot
herW thanW aWpersonalW inspection.WTheW appraiserW isWpermittedWtoWtrafficW inWau
tomobileW salvageW ifWsuchW salvageW isWobtainedW inWanyW wayW asWaW resultW of
WappraisalW servicesWrenderedW byWhimWforW hisWownWbenefit.W-
ANS-
TheWappraiserWisWpermittedWtoWtrafficWinWautomobileWsalvageWifWsuchWs
alvageWisWobtainedWinWanyWwayWasWaWresultWofWappraisalWservicesWre
nderedWbyWhimWforWhisWownW benefit.
TheWburdenWofWproofWthatWaWcoveredWlossWhasWoccurredWisWnor
mallyWaWdutyWof:WTheW insuranceW company
TheW adjuster
TheW appraiser
TheW insuredW -W ANS-TheW insured
BeforeW revokingW orWsuspendingW aWlicense,W theW SuperintendentWmustWfirst
Wsend
WnoticeW andW giveW theWaccusedWanWopportunityWforWaWhearing.
3W months
45W days.
10W days.
60Wdays.W -W ANS-1oWdays
TheWlinkageWbetweenWtheWcamshaftWandWtheWvalvesWisWcommonlyWknow
nWasWthe:W piston.
crankshaft.Wval
veW train.
cylinder.W-WANS-valveWtrain
WhichWofWtheWfollowingWisWtheWcomputerWinWtheWvehic
le?W Controller
,Pump
, SpeedW Sensors
ValvesW-WANS-Controller
PaymentWmayWbeWmadeWifWwhichWofWtheWfollowingWproceduresWhasWbe
enWexecuted?W AWpartialW signedW release
AWWalk-AwayWrelease
AW prima-faciaW signedW release
NoneWofWtheW answerW choicesW isW correct.W -W ANS-AWWalk-
AwayW release/TheWWalk-
AwayW releaseWindicatesWtheWfinalWdispositionWofWtheWmatterWandWrelinquishes
WtheWclaimant'sWrightW toW sueW soW paymentWmayW beW issued.WInWsomeW states
WtheW signingW ofWtheW paymentW checkW indicatesW aWWalk-AwayW release.
IfWanWinsuredWfailsWtoWcomplyW withWtheWimmediateWnoticeWofWclaimWrequirem
ent,WwhichWofWtheWfollowingW couldW happen?
TheW lossW willW beW partiallyW
paid.WTheWcoverageWcouldW
beWdenied.WTheW premiumW
willW beW returned.
TheWpolicyWwillWbeWcancelled.W-WANS-
TheWcoverageWcouldWbeWdeniedW OnW whatW dateWmustW anW
adjusterW licenseW beWrenewed?
DecemberW31W-
WevenWnumberedWyearsW AprilW 1st
WofWeveryW otherW year
TheW licenseW isW continuousW unlessW canceledWorW revoked
JanuaryW 1stW everyW fourW yearsW -W ANS-DecemberW31W -W evenWnumberedW years
WhatWpartWofWtheWexhaustWsystemWreducesWtheWamountWofWpollutionWrelease
dWintoWtheW environment?
Muffler
WTailpip
e
PCVW valve
HeatW shieldW -WANS-PCVW valve
WhatWisWtheWfirstWmoldingWcalledWonWtheWoutsideWofWtheWvehicleWunder
