NEW YORK STATE AUTO DAMAGE
AND THEFT QUIZ 17-71. EXAM 2025
QUESTIONS AND ANSWERS
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 - ANS 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 - ANS The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
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,Consequential loss - ANS Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - ANS $1000
Which of the following is NOT a true statement regarding auto appraisers?
Each appraiser, while engaged in appraisal duties, must carry the license issued to him by the
Insurance Department and display it, upon request, to an owner whose vehicle is being
inspected, to the repair shop representative involved.
The appraiser must leave a legible copy of his appraisal with that of the repair shop selected by
the consumer to make the repairs and also furnish a copy to the owner of the vehicle.
No appraiser is permitted secure or use repair estimates that have been obtained by the use of
photographs, telephone calls or in any manner other than a personal inspection.
The appraiser is permitted to traffic in automobile salvage if such salvage is obtained in any way
as a result of appraisal services rendered by him for his own benefit. - ANS The appraiser is
permitted to traffic in automobile salvage if such salvage is obtained in any way as a result of
appraisal services rendered by him for his own benefit.
The burden of proof that a covered loss has occurred is normally a duty of:
The insurance company
The adjuster
The appraiser
The insured - ANS The insured
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,Before revoking or suspending a license, the Superintendent must first send _____ notice and
give the accused an opportunity for a hearing.
3 months
45 days.
10 days.
60 days. - ANS 1o days
The linkage between the camshaft and the valves is commonly known as the:
piston.
crankshaft.
valve train.
cylinder. - ANS valve train
Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves - ANS Controller
Payment may be made if which of the following procedures has been executed?
A partial signed release
A Walk-Away release
A prima-facia signed release
None of the answer choices is correct. - ANS A Walk-Away release/The Walk-Away release
indicates the final disposition of the matter and relinquishes the claimant's right to sue so
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, payment may be issued. In some states the signing of the payment check indicates a Walk-
Away release.
If an insured fails to comply with the immediate notice of claim requirement, which of the
following could happen?
The loss will be partially paid.
The coverage could be denied.
The premium will be returned.
The policy will be cancelled. - ANS The coverage could be denied
On what date must an adjuster license be renewed?
December 31 - even numbered years
April 1st of every other year
The license is continuous unless canceled or revoked
January 1st every four years - ANS December 31 - even numbered years
What part of the exhaust system reduces the amount of pollution released into the
environment?
Muffler
Tailpipe
PCV valve
Heat shield - ANS PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
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AND THEFT QUIZ 17-71. EXAM 2025
QUESTIONS AND ANSWERS
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 - ANS 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 - ANS The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
1 Copyright ©2025 FYNDLAY ALL RIGHTS RESERVED.
,Consequential loss - ANS Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - ANS $1000
Which of the following is NOT a true statement regarding auto appraisers?
Each appraiser, while engaged in appraisal duties, must carry the license issued to him by the
Insurance Department and display it, upon request, to an owner whose vehicle is being
inspected, to the repair shop representative involved.
The appraiser must leave a legible copy of his appraisal with that of the repair shop selected by
the consumer to make the repairs and also furnish a copy to the owner of the vehicle.
No appraiser is permitted secure or use repair estimates that have been obtained by the use of
photographs, telephone calls or in any manner other than a personal inspection.
The appraiser is permitted to traffic in automobile salvage if such salvage is obtained in any way
as a result of appraisal services rendered by him for his own benefit. - ANS The appraiser is
permitted to traffic in automobile salvage if such salvage is obtained in any way as a result of
appraisal services rendered by him for his own benefit.
The burden of proof that a covered loss has occurred is normally a duty of:
The insurance company
The adjuster
The appraiser
The insured - ANS The insured
2 Copyright ©2025 FYNDLAY ALL RIGHTS RESERVED.
,Before revoking or suspending a license, the Superintendent must first send _____ notice and
give the accused an opportunity for a hearing.
3 months
45 days.
10 days.
60 days. - ANS 1o days
The linkage between the camshaft and the valves is commonly known as the:
piston.
crankshaft.
valve train.
cylinder. - ANS valve train
Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves - ANS Controller
Payment may be made if which of the following procedures has been executed?
A partial signed release
A Walk-Away release
A prima-facia signed release
None of the answer choices is correct. - ANS A Walk-Away release/The Walk-Away release
indicates the final disposition of the matter and relinquishes the claimant's right to sue so
3 Copyright ©2025 FYNDLAY ALL RIGHTS RESERVED.
, payment may be issued. In some states the signing of the payment check indicates a Walk-
Away release.
If an insured fails to comply with the immediate notice of claim requirement, which of the
following could happen?
The loss will be partially paid.
The coverage could be denied.
The premium will be returned.
The policy will be cancelled. - ANS The coverage could be denied
On what date must an adjuster license be renewed?
December 31 - even numbered years
April 1st of every other year
The license is continuous unless canceled or revoked
January 1st every four years - ANS December 31 - even numbered years
What part of the exhaust system reduces the amount of pollution released into the
environment?
Muffler
Tailpipe
PCV valve
Heat shield - ANS PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
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