New York State Auto Damage and Theft Quiz 17–71 Exam
2024/2025 – Complete Solution and Answer Guide
Quiz 17 – Vehicle Damage Estimating Basics
Focus: Initial appraisal and inspection fundamentals.
Question 1:
What is the first step when preparing a vehicle damage estimate?
A) Replace all visibly damaged parts immediately
B) Review the insurance policy details
C) Conduct a thorough pre-repair inspection of the vehicle
D) Notify the repair shop before documentation
Correct Answer: C
Explanation: The estimate must begin with a complete pre-repair inspection to document all
visible and hidden damages accurately, per NYS DFS guidelines and I-CAR standards.
Replacing parts (A) is premature. Policy review (B) follows inspection. Notification (D) is
administrative.
Question 2:
In NYS, appraisers must use which method for estimating structural damage?
A) Visual inspection only
B) OEM repair procedures
C) Generic estimates
D) Appraiser's discretion
Correct Answer: B
Explanation: NYS Insurance Regulation 64 requires OEM (original equipment manufacturer)
procedures for structural estimates to ensure safety (B). Visual only (A) misses hidden damage.
Generic (C) non-compliant. Discretion (D) risks fraud.
Question 3:
What is the purpose of a supplement in the estimating process?
A) To reduce the initial estimate
B) To add costs for additional damage found during repair
C) To finalize payment
D) To ignore minor damages
,Correct Answer: B
Explanation: Supplements account for hidden damage discovered during teardown, as per NYS
DFS best practices (B). Reduce (A) not purpose. Finalize (C) after approval. Ignore (D)
unethical.
Question 4:
Under NYS law, appraisers must document:
A) Only visible exterior damage
B) All damages, including mechanical
C) Cosmetic only
D) No documentation required
Correct Answer: B
Explanation: Insurance Law § 2610 mandates comprehensive documentation of all damages
(B), including mechanical, for accurate claims. Visible (A) or cosmetic (C) incomplete.
Documentation required (D) false.
Question 5:
A key tool for damage estimating is:
A) Paint thickness gauge
B) Hammer
C) Screwdriver
D) Wrench
Correct Answer: A
Explanation: Paint thickness gauge (A) detects prior repairs or over-spray, per I-CAR estimating
standards. Tools (B, C, D) for repair, not appraisal.
Question 6:
For hail damage, the estimate should include:
A) Paintless dent repair (PDR) costs
B) Full repaint
C) Ignore small dents
D) No structural check
Correct Answer: A
Explanation: PDR (A) is cost-effective for minor hail per NYS estimating guidelines. Full repaint
(B) excessive. Small dents (C) assessable. Structural check (D) needed for severity.
Question 7:
,NYS appraisers must obtain:
A) AD Banker pre-licensing course
B) No training
C) Medical certification
D) Welding license
Correct Answer: A
Explanation: DFS requires 20-hour pre-licensing from approved providers like AD Banker (A).
Training required (B) false. Others irrelevant (C, D).
Question 8:
The estimating software must be:
A) Auditable and compliant with NYS
B) Personal choice
C) Offline only
D) No software
Correct Answer: A
Explanation: Regulation 64 requires auditable software (A) for transparency. Personal (B)
non-compliant. Offline (C) limits. Software standard (D) false.
Question 9:
Hidden damage in a collision is identified by:
A) Frame measurement
B) Visual scan
C) Odometer reading
D) VIN check
Correct Answer: A
Explanation: Frame measurement (A) detects misalignment per I-CAR. Visual (B) surface.
Odometer (C) mileage. VIN (D) identity.
Question 10:
Estimate approval requires:
A) Insurer review and authorization
B) Appraiser decision only
C) Immediate repair
D) No approval
Correct Answer: A
, Explanation: NYS law requires insurer authorization (A) before work. Appraiser (B) not final.
Immediate (C) fraud risk. Approval needed (D) false.
Question 11:
For estimating labor time, use:
A) I-CAR flat rate manual
B) Guess
C) No time
D) Fixed rate
Correct Answer: A
Explanation: I-CAR (A) provides standardized labor times. Guess (B) inaccurate. No time (C)
incomplete. Fixed (D) not industry.
Question 12:
Appraiser liability for inaccurate estimate:
A) Civil suit possible
B) No liability
C) Criminal
D) Fine only
Correct Answer: A
Explanation: Inaccurate estimates can lead to civil suits for negligence (A). No liability (B) false.
Criminal (C) rare. Fine (D) regulatory.
Quiz 18 – Collision Damage Appraisal
Focus: Structural and mechanical assessment.
Question 1:
The first step in collision appraisal is:
A) Visual exterior inspection
B) Underbody check
C) Frame alignment
D) Interior
Correct Answer: A
Explanation: Visual exterior (A) identifies obvious damage per I-CAR. Underbody (B) follows.
Frame (C) specialized. Interior (D) last.
2024/2025 – Complete Solution and Answer Guide
Quiz 17 – Vehicle Damage Estimating Basics
Focus: Initial appraisal and inspection fundamentals.
Question 1:
What is the first step when preparing a vehicle damage estimate?
A) Replace all visibly damaged parts immediately
B) Review the insurance policy details
C) Conduct a thorough pre-repair inspection of the vehicle
D) Notify the repair shop before documentation
Correct Answer: C
Explanation: The estimate must begin with a complete pre-repair inspection to document all
visible and hidden damages accurately, per NYS DFS guidelines and I-CAR standards.
Replacing parts (A) is premature. Policy review (B) follows inspection. Notification (D) is
administrative.
Question 2:
In NYS, appraisers must use which method for estimating structural damage?
A) Visual inspection only
B) OEM repair procedures
C) Generic estimates
D) Appraiser's discretion
Correct Answer: B
Explanation: NYS Insurance Regulation 64 requires OEM (original equipment manufacturer)
procedures for structural estimates to ensure safety (B). Visual only (A) misses hidden damage.
Generic (C) non-compliant. Discretion (D) risks fraud.
Question 3:
What is the purpose of a supplement in the estimating process?
A) To reduce the initial estimate
B) To add costs for additional damage found during repair
C) To finalize payment
D) To ignore minor damages
,Correct Answer: B
Explanation: Supplements account for hidden damage discovered during teardown, as per NYS
DFS best practices (B). Reduce (A) not purpose. Finalize (C) after approval. Ignore (D)
unethical.
Question 4:
Under NYS law, appraisers must document:
A) Only visible exterior damage
B) All damages, including mechanical
C) Cosmetic only
D) No documentation required
Correct Answer: B
Explanation: Insurance Law § 2610 mandates comprehensive documentation of all damages
(B), including mechanical, for accurate claims. Visible (A) or cosmetic (C) incomplete.
Documentation required (D) false.
Question 5:
A key tool for damage estimating is:
A) Paint thickness gauge
B) Hammer
C) Screwdriver
D) Wrench
Correct Answer: A
Explanation: Paint thickness gauge (A) detects prior repairs or over-spray, per I-CAR estimating
standards. Tools (B, C, D) for repair, not appraisal.
Question 6:
For hail damage, the estimate should include:
A) Paintless dent repair (PDR) costs
B) Full repaint
C) Ignore small dents
D) No structural check
Correct Answer: A
Explanation: PDR (A) is cost-effective for minor hail per NYS estimating guidelines. Full repaint
(B) excessive. Small dents (C) assessable. Structural check (D) needed for severity.
Question 7:
,NYS appraisers must obtain:
A) AD Banker pre-licensing course
B) No training
C) Medical certification
D) Welding license
Correct Answer: A
Explanation: DFS requires 20-hour pre-licensing from approved providers like AD Banker (A).
Training required (B) false. Others irrelevant (C, D).
Question 8:
The estimating software must be:
A) Auditable and compliant with NYS
B) Personal choice
C) Offline only
D) No software
Correct Answer: A
Explanation: Regulation 64 requires auditable software (A) for transparency. Personal (B)
non-compliant. Offline (C) limits. Software standard (D) false.
Question 9:
Hidden damage in a collision is identified by:
A) Frame measurement
B) Visual scan
C) Odometer reading
D) VIN check
Correct Answer: A
Explanation: Frame measurement (A) detects misalignment per I-CAR. Visual (B) surface.
Odometer (C) mileage. VIN (D) identity.
Question 10:
Estimate approval requires:
A) Insurer review and authorization
B) Appraiser decision only
C) Immediate repair
D) No approval
Correct Answer: A
, Explanation: NYS law requires insurer authorization (A) before work. Appraiser (B) not final.
Immediate (C) fraud risk. Approval needed (D) false.
Question 11:
For estimating labor time, use:
A) I-CAR flat rate manual
B) Guess
C) No time
D) Fixed rate
Correct Answer: A
Explanation: I-CAR (A) provides standardized labor times. Guess (B) inaccurate. No time (C)
incomplete. Fixed (D) not industry.
Question 12:
Appraiser liability for inaccurate estimate:
A) Civil suit possible
B) No liability
C) Criminal
D) Fine only
Correct Answer: A
Explanation: Inaccurate estimates can lead to civil suits for negligence (A). No liability (B) false.
Criminal (C) rare. Fine (D) regulatory.
Quiz 18 – Collision Damage Appraisal
Focus: Structural and mechanical assessment.
Question 1:
The first step in collision appraisal is:
A) Visual exterior inspection
B) Underbody check
C) Frame alignment
D) Interior
Correct Answer: A
Explanation: Visual exterior (A) identifies obvious damage per I-CAR. Underbody (B) follows.
Frame (C) specialized. Interior (D) last.
