PA APPRAISERS LICENSE EXAM 2025-
2026 COMPREHENSIVE QUESTIONS
AND VERIFIED CORRECT SOLUTIONS ||
100% GUARANTEED PASS!!
<LATEST VERSION>
1. What are the two most common types of engines? - ANSWER ✔ V and
inline
2. What are the two types of vehicle bodies? - ANSWER ✔ Conventional full
frame and Unibody/Unitized construction
3. What does PCV stand for? - ANSWER ✔ Positive Crankshaft Ventilation
4. What zones does a Unibody frame have that conventional frames do not? -
ANSWER ✔ Crush zones
5. What does the PCV Valve do? - ANSWER ✔ It is a passage for gases to
escape in a controlled manner from the crankcase
6. What is another name for the A pillar? - ANSWER ✔ Hinge Pillar
7. What is another name for the B pillar? - ANSWER ✔ Center pillar
8. What is another name for the C pillar? - ANSWER ✔ Lock pillar
9. What parts of a vehicle connect to the A-pillar? - ANSWER ✔ Cowl, front
door hinges, windshield, front corner of roof
,10.What device starts the spark plug firing sequence? - ANSWER ✔ Camshaft
Sensor
11.What is a solenoid valve/ starter solenoid? - ANSWER ✔ The part of a car
which switches a large electrical
current to the starter motor
12.Principle of Indemnity - ANSWER ✔ restoration to approximate previous
financial condition; no more, no less
13.Insurable Interest - ANSWER ✔ direct financial interest in protecting
something or someone
14.Lender Interest - ANSWER ✔ protects a lender who loans money to a buyer
15.Risk - ANSWER ✔ potential for financial loss or an insured item
16.Exposure - ANSWER ✔ is openness to loss or damage
17.hazard - ANSWER ✔ thing that increases the possibility to loss
18.moral hazard - ANSWER ✔ results from policyholder's conscious decision
19.physical hazard - ANSWER ✔ conditions that increase the chance of loss
20.Peril - ANSWER ✔ the actual cause of loss or damage
21.Loss - ANSWER ✔ financial loss due to an occurrence or accident
22.Proximate cause - ANSWER ✔ the primary event or series of events that
directly leads to an insured loss
23.Direct loss - ANSWER ✔ physical harm to tangible property caused by a
peril. Ex: Tree falls on car
24.Indirect loss - ANSWER ✔ added expenses or lost income because of
physical damages. Ex: rental car
,25.Occurrence - ANSWER ✔ an event, incident, or condition that causes
damage
26.ACV (Actual Cash Value) - ANSWER ✔ Replacement cost - depreciation
27.replacement cost - ANSWER ✔ method of valuation based on cost of
replacing an item at current market prices, regardless of depreciation
28.Functional replacement cost - ANSWER ✔ pays to replace an outdated,
obsolete item with a functionally equivalent item
29.Stated amount - ANSWER ✔ property value is stated by the insured when
applying for insurance
30.insurance policy - ANSWER ✔ the legal contract b/w the insurer and the
insured
31.cancellation and nonrenewal - ANSWER ✔ insured may cancel at any time,
but the insurer is much more restricted
32.declarations page - ANSWER ✔ names of both parties
policy #
location and description of insured item
deductible
premium
33.first named insured - ANSWER ✔ the 1st person or organization listed on
the dec page
34.additional insured - ANSWER ✔ person or org. that is added to the policy at
the request of the first named insured and benefits from policy, but is not
allowed to make changed
35.Loss Payable Clause - ANSWER ✔ lender listed as loss payee if a loss
occurs
, 36.policy limits - ANSWER ✔ establish the max payout value of an insurance
policy
37.salvage - ANSWER ✔ the portion or value of property that remains after a
loss
38.abandonment clause - ANSWER ✔ insured is prohibited from forcing the
insurer to take possession of damaged property for the purpose of repair or
disposal
39.subrogation - ANSWER ✔ transfer of rights that allows the insurer to
recover its losses after it has indemnified a policyholder
40.full release settlement - ANSWER ✔ all damaged paid at once
41.no release settlement - ANSWER ✔ signing and cashing a check substitutes
for the release form
42.appraiser - ANSWER ✔ writes damage estimates for insurance claims
43.adjuster - ANSWER ✔ investigates claims and prepares claimant statements
44.duties of the insured after a loss - ANSWER ✔ -report all accidents
-cooperate with insurer's investigation, settlement, and any court proceedings
-promptly send the insurer copies of all pertinent legal papers
-submit to a physical examination if insurer requests
-submit to examination under oath and verify that your statements are true and
accurate
-authorize the insurer to obtain medical reports
-provide proof of loss if insurer requests
45.burden of proof - ANSWER ✔ this means the must prove the loss to the
insurer
46.annual depreciation - ANSWER ✔ replacement cost / expected life
47.accumulated depreciation - ANSWER ✔ annual depreciation x years used
2026 COMPREHENSIVE QUESTIONS
AND VERIFIED CORRECT SOLUTIONS ||
100% GUARANTEED PASS!!
<LATEST VERSION>
1. What are the two most common types of engines? - ANSWER ✔ V and
inline
2. What are the two types of vehicle bodies? - ANSWER ✔ Conventional full
frame and Unibody/Unitized construction
3. What does PCV stand for? - ANSWER ✔ Positive Crankshaft Ventilation
4. What zones does a Unibody frame have that conventional frames do not? -
ANSWER ✔ Crush zones
5. What does the PCV Valve do? - ANSWER ✔ It is a passage for gases to
escape in a controlled manner from the crankcase
6. What is another name for the A pillar? - ANSWER ✔ Hinge Pillar
7. What is another name for the B pillar? - ANSWER ✔ Center pillar
8. What is another name for the C pillar? - ANSWER ✔ Lock pillar
9. What parts of a vehicle connect to the A-pillar? - ANSWER ✔ Cowl, front
door hinges, windshield, front corner of roof
,10.What device starts the spark plug firing sequence? - ANSWER ✔ Camshaft
Sensor
11.What is a solenoid valve/ starter solenoid? - ANSWER ✔ The part of a car
which switches a large electrical
current to the starter motor
12.Principle of Indemnity - ANSWER ✔ restoration to approximate previous
financial condition; no more, no less
13.Insurable Interest - ANSWER ✔ direct financial interest in protecting
something or someone
14.Lender Interest - ANSWER ✔ protects a lender who loans money to a buyer
15.Risk - ANSWER ✔ potential for financial loss or an insured item
16.Exposure - ANSWER ✔ is openness to loss or damage
17.hazard - ANSWER ✔ thing that increases the possibility to loss
18.moral hazard - ANSWER ✔ results from policyholder's conscious decision
19.physical hazard - ANSWER ✔ conditions that increase the chance of loss
20.Peril - ANSWER ✔ the actual cause of loss or damage
21.Loss - ANSWER ✔ financial loss due to an occurrence or accident
22.Proximate cause - ANSWER ✔ the primary event or series of events that
directly leads to an insured loss
23.Direct loss - ANSWER ✔ physical harm to tangible property caused by a
peril. Ex: Tree falls on car
24.Indirect loss - ANSWER ✔ added expenses or lost income because of
physical damages. Ex: rental car
,25.Occurrence - ANSWER ✔ an event, incident, or condition that causes
damage
26.ACV (Actual Cash Value) - ANSWER ✔ Replacement cost - depreciation
27.replacement cost - ANSWER ✔ method of valuation based on cost of
replacing an item at current market prices, regardless of depreciation
28.Functional replacement cost - ANSWER ✔ pays to replace an outdated,
obsolete item with a functionally equivalent item
29.Stated amount - ANSWER ✔ property value is stated by the insured when
applying for insurance
30.insurance policy - ANSWER ✔ the legal contract b/w the insurer and the
insured
31.cancellation and nonrenewal - ANSWER ✔ insured may cancel at any time,
but the insurer is much more restricted
32.declarations page - ANSWER ✔ names of both parties
policy #
location and description of insured item
deductible
premium
33.first named insured - ANSWER ✔ the 1st person or organization listed on
the dec page
34.additional insured - ANSWER ✔ person or org. that is added to the policy at
the request of the first named insured and benefits from policy, but is not
allowed to make changed
35.Loss Payable Clause - ANSWER ✔ lender listed as loss payee if a loss
occurs
, 36.policy limits - ANSWER ✔ establish the max payout value of an insurance
policy
37.salvage - ANSWER ✔ the portion or value of property that remains after a
loss
38.abandonment clause - ANSWER ✔ insured is prohibited from forcing the
insurer to take possession of damaged property for the purpose of repair or
disposal
39.subrogation - ANSWER ✔ transfer of rights that allows the insurer to
recover its losses after it has indemnified a policyholder
40.full release settlement - ANSWER ✔ all damaged paid at once
41.no release settlement - ANSWER ✔ signing and cashing a check substitutes
for the release form
42.appraiser - ANSWER ✔ writes damage estimates for insurance claims
43.adjuster - ANSWER ✔ investigates claims and prepares claimant statements
44.duties of the insured after a loss - ANSWER ✔ -report all accidents
-cooperate with insurer's investigation, settlement, and any court proceedings
-promptly send the insurer copies of all pertinent legal papers
-submit to a physical examination if insurer requests
-submit to examination under oath and verify that your statements are true and
accurate
-authorize the insurer to obtain medical reports
-provide proof of loss if insurer requests
45.burden of proof - ANSWER ✔ this means the must prove the loss to the
insurer
46.annual depreciation - ANSWER ✔ replacement cost / expected life
47.accumulated depreciation - ANSWER ✔ annual depreciation x years used
