STATE FARM ESTIMATICS
PROFESSIONAL EXAM QUESTIONS
AND ANSWERS
1. What is the term used when a part’s replacement increases the vehicle’s value beyond its
pre-accident condition?
A. Betterment
B. Depreciation
C. Appreciation
D. Supplement
Answer: A
Conceptual Explanation: Betterment is a deduction taken from the claim amount when
the repair of the vehicle with a new part results in the vehicle being in a better condition
than it was before the loss.
2. Which coverage typically applies if a vehicle hits a deer?
A. Collision
B. Liability
C. Comprehensive
,D. Medical Payments
Answer: C
Conceptual Explanation: Damage caused by contact with animals is generally covered
under Comprehensive (Other Than Collision) coverage.
3. What does LKQ stand for in the context of estimating?
A. Like Kind and Quality
B. Least Known Quantity
C. Low Known Quality
D. Last Known Quotation
Answer: A
Conceptual Explanation: LKQ refers to ‘Like Kind and Quality’ parts, which are typically
recycled or used parts from a donor vehicle of similar age and condition.
4. In estimatics, what is ‘PDR’ an abbreviation for?
A. Partial Damage Repair
B. Panel Detail Recovery
C. Primary Damage Report
D. Paintless Dent Repair
Answer: D
, Conceptual Explanation: PDR stands for Paintless Dent Repair, a method of removing
small dents from the body of a motor vehicle without damaging the paint.
5. Which of the following describes a ‘Supplement’ in the claims process?
A. An additional payment for damage discovered after repairs began
B. The initial estimate provided by the adjuster
C. A monthly insurance premium increase
D. A discount given for using a preferred shop
Answer: A
Conceptual Explanation: A supplement is a request for additional funds to cover damages
found after the vehicle has been disassembled or the initial estimate was written.
6. What is the purpose of ‘Blending’ in automotive refinishing?
A. To mix different types of paint together
B. To hide the transition between new and old paint
C. To reduce the amount of paint used
D. To strengthen the clear coat
Answer: B
Conceptual Explanation: Blending is the process of gradually transitioning new paint into
the existing paint on adjacent panels to ensure a color match.
PROFESSIONAL EXAM QUESTIONS
AND ANSWERS
1. What is the term used when a part’s replacement increases the vehicle’s value beyond its
pre-accident condition?
A. Betterment
B. Depreciation
C. Appreciation
D. Supplement
Answer: A
Conceptual Explanation: Betterment is a deduction taken from the claim amount when
the repair of the vehicle with a new part results in the vehicle being in a better condition
than it was before the loss.
2. Which coverage typically applies if a vehicle hits a deer?
A. Collision
B. Liability
C. Comprehensive
,D. Medical Payments
Answer: C
Conceptual Explanation: Damage caused by contact with animals is generally covered
under Comprehensive (Other Than Collision) coverage.
3. What does LKQ stand for in the context of estimating?
A. Like Kind and Quality
B. Least Known Quantity
C. Low Known Quality
D. Last Known Quotation
Answer: A
Conceptual Explanation: LKQ refers to ‘Like Kind and Quality’ parts, which are typically
recycled or used parts from a donor vehicle of similar age and condition.
4. In estimatics, what is ‘PDR’ an abbreviation for?
A. Partial Damage Repair
B. Panel Detail Recovery
C. Primary Damage Report
D. Paintless Dent Repair
Answer: D
, Conceptual Explanation: PDR stands for Paintless Dent Repair, a method of removing
small dents from the body of a motor vehicle without damaging the paint.
5. Which of the following describes a ‘Supplement’ in the claims process?
A. An additional payment for damage discovered after repairs began
B. The initial estimate provided by the adjuster
C. A monthly insurance premium increase
D. A discount given for using a preferred shop
Answer: A
Conceptual Explanation: A supplement is a request for additional funds to cover damages
found after the vehicle has been disassembled or the initial estimate was written.
6. What is the purpose of ‘Blending’ in automotive refinishing?
A. To mix different types of paint together
B. To hide the transition between new and old paint
C. To reduce the amount of paint used
D. To strengthen the clear coat
Answer: B
Conceptual Explanation: Blending is the process of gradually transitioning new paint into
the existing paint on adjacent panels to ensure a color match.
