NEW YORK STATE AUTO DAMAGE AND THEFT QUIZ
ACTUAL 2025/2026 Q&A 100% GRADED TO PASS
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.
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
The insured
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.
10 days
The linkage between the camshaft and the valves is commonly known as the:
Page 1 of 46
,piston.
crankshaft.
valve train.
cylinder.
valve train
Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves
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.
A Walk-Away release/The Walk-Away release indicates the final disposition of the matter and
relinquishes the claimant's right to sue so 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.
The coverage could be denied
Page 2 of 46
,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
December 31 - even numbered years
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
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
The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
Consequential loss
Page 3 of 46
, Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000
$1000
What part of the exhaust system reduces the amount of pollution released into the environment?
Muffler
Tailpipe
PCV valve
Heat shield
PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
Edge panel
Door decal
Sill
Side body molding
When performing an appraisal the vehicle should be inspected:
From the rear to the front
From the point of impact
From the front to the rear
None of the choices are correct
From the front to the rear
Page 4 of 46
ACTUAL 2025/2026 Q&A 100% GRADED TO PASS
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.
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
The insured
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.
10 days
The linkage between the camshaft and the valves is commonly known as the:
Page 1 of 46
,piston.
crankshaft.
valve train.
cylinder.
valve train
Which of the following is the computer in the vehicle?
Controller
Pump
Speed Sensors
Valves
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.
A Walk-Away release/The Walk-Away release indicates the final disposition of the matter and
relinquishes the claimant's right to sue so 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.
The coverage could be denied
Page 2 of 46
,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
December 31 - even numbered years
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
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
The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
Consequential loss
Page 3 of 46
, Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000
$1000
What part of the exhaust system reduces the amount of pollution released into the environment?
Muffler
Tailpipe
PCV valve
Heat shield
PCV valve
What is the first molding called on the outside of the vehicle under the window?
Side body molding
Edge panel
Door decal
Sill
Side body molding
When performing an appraisal the vehicle should be inspected:
From the rear to the front
From the point of impact
From the front to the rear
None of the choices are correct
From the front to the rear
Page 4 of 46
