STATE FARM AUTO ADJUSTER CERTIFICATION EXAM QUESTIONS AND ANSWERS VERIFIED 100% CORRECT

STATE FARM AUTO ADJUSTER CERTIFICATION EXAM QUESTIONS AND ANSWERS VERIFIED 100% CORRECT Towing / Labor - ANSWERWER- Pays for reimbursement for towing expenses. Uninsured Motorist - ANSWERWER- Pays for damages to your car and bodily injuries that you sustain when hit by someone that doesn't have insurance. Hit and run Underinsured Motorist - ANSWERWER- Pays for damages to your car and bodily injuries that you sustain when hit by someone that doesn't have Enough coverage to pay for your injuries and property damage. Texas Car Guaranteed Auto Protection Coverage (GAP) - ANSWERWER- Coverage protects the policyholder in case more money than the assessed value of the car is owed. Protects the policyholder for the devaluation of the car after driving it off the lot. Typical value drops 20% and insurance cover might not cover. México Coverage - ANSWERWER- Accidents in Mexico are subject to Mexico only - NOT- the US, unlike the Republic of México, that considers it a criminal offense and a civil matter. Drivers planning to in Mexico should obtain a Mexico policy, and only drive within 25 miles of US border. Applicable to infrequent trips only and do not exceed 10 days at one time ACV - ANSWER-actual cash value After Market Parts - ANSWER-Parts produced by a 3rd party for use on automobiles. Betterment - ANSWER-An improvement made to and automobile that increases its value, rather than a repair that simply maintains its current value BL - ANSWER-Blend Blend - ANSWER-This operation is equal to half the RF time on a panel. Blend would be necessary if an adjacent panel required some paint so the color would match. If damage is within 18" of an adjacent panel then blend. Allow 36" if it is a metallic or gold paint, because the paints are hard to match. Bridge - ANSWER-Bridging occurs between 2 surfaces painted at the same time. A good example would be seen between a molding and the panel Eventually the bridge will crack between the two and the integrity of the paint will deteriorate. Bridging is most often related to R&I. If a shoes does not strip a panel naked then bridging will most likely occur. CEG - ANSWER-Collision Estimating Guide Collision Estimating Guide - ANSWER-A reference for how much time the average mechanic or painter will require performing a specific task. Clean and Retape - ANSWER-When an adhesive molding, nameplate, or emblem is removed and reinstalled. The painter must clean the glue off and apply a new coat. Clear Coat - ANSWER-is used to seal in the color pigment on a panel. Most vehicles have two stage paint which is first coat color, second coat clear. Corrosion Protection - ANSWER-This material is applied to the underside of a panel to prevent corrosion. This protection needs to be considered when when estimating damage repair. Deductible - ANSWER-An amount, stated on the policy , for which the policy holder is responsible. Deductibles are assessed on a per incident basis. Depreciation - ANSWER-The decrease in the market value of a vehicle over time. The amount of yearly depreciation is affected by variables including car condition, resale market supply and demand, and reputation of the manufacturer and or model. DOL - ANSWER-Date of Loss Date of Loss - ANSWER-The date when the damage occurred. EFS - ANSWER-Estimator Fact Sheet Estimator Fact Sheet - ANSWER-the fact sheet is accompanied with each claim. Before evaluating the damage you will need to verify all information on the efs. It will have important information such as the deductible, VIN, and date of loss. Flex Additive - ANSWER-This is added to the paint when applying it to a plastic part. Plastic parts will bend slightly with wind and the paint must be flexible to prevent cracking. HSLA - ANSWER-High Strength Low Alloy High Strength Low Alloy - ANSWER-A high strength, light weight metal commonly used for hoods on some pickups and cars. HLSA requires more heat and is difficult to repair. Indemnify - ANSWER-An insurance company is responsible to return their policy holder to Pre-Loss conditions. LKQ - ANSWER-Like Kind and Quality Like Kind and Quality - ANSWER-Used parts of similar quality to those they are replacing. These will most likely be used when it is difficult or impossible to get new OEM parts. Long Expanswerion - ANSWER-Commonly called the "snowflake" in Mitchell. It will be your best friend. Long Expanswerion contains often repeated operations that will be used in writing an estimate. Magnuson - Moss Act - ANSWER-Manufacturer cannot void a warranty if aftermarket parts are used as long as the aftermarket parts meet or exceed the manufacturer's specifications.