PA MOTOR VEHICLE PHYSICAL
DAMAGE APPRAISER EXAM
Actual Questions and Answers
Expert-Verified Explanation
This Exam contains:
✪ Multiple-choice and True/False Format
✪ Expert-Verified Explanations
✪ Verified with Trusted Textbooks
1. Question: What are the number of business days you have per Act 361 to inspect a
vehicle?
A) 3
B) 5
C) 6
D) 10
Answer: C
EXPLANATION: Under Act 361, appraisers are required to inspect the vehicle within 6
business days of notification of a claim.
2. Question: How many days after an inspection should a total loss be offered to the owner?
A) 3
B) 4
C) 5
D) 6
Answer: C
EXPLANATION: The law mandates that a total loss offer should be made within 5 business
days following inspection.
3. Question: Aftermarket parts can only be used when?
A) The vehicle is over 5 years old
B) No OEM parts are available
C) The parts are listed and coded in the estimate
D) The insurer approves
Answer: C
,EXPLANATION: Pennsylvania regulations require that aftermarket parts be listed and clearly
identified in the repair estimate.
4. Question: What is aftermarket and why is it considered aftermarket?
A) It’s used parts from other models
B) Any recycled OEM parts
C) Non-OEM part for external body components
D) OEM parts from older models
Answer: C
EXPLANATION: Aftermarket parts are non-original equipment manufacturer parts used for
vehicle body repairs.
5. Question: What is the duty of the claimant after the loss?
A) Authorize the repair
B) Request parts details
C) Provide a date, time, and facts of the loss
D) Report to the state insurance board
Answer: C
EXPLANATION: Claimants must supply accurate information about the loss for claim
processing.
6. True or False: Appraisals should always be signed by the appraiser.
Answer: True
EXPLANATION: A signed appraisal confirms that the information was reviewed and verified
by a licensed appraiser.
7. Question: What is betterment?
A) A type of accident coverage
B) Additional premium charged
C) An improvement increasing vehicle value
D) A legal term in title transfer
Answer: C
EXPLANATION: Betterment occurs when a part replacement improves the vehicle beyond its
pre-loss condition.
, 8. Question: Which would be an example of an additional interest to the policy?
A) Broker
B) Appraiser
C) Lienholder
D) Sales agent
Answer: C
EXPLANATION: A lienholder is a party with financial interest in the vehicle and is listed on
the policy.
9. Question: Which is not a peril in reference to auto insurance?
A) Fire
B) Theft
C) Collision
D) Wind/Hail
Answer: D
EXPLANATION: While damage from wind or hail is common, it's typically categorized under
comprehensive coverage, not as a named peril.
10. Question: What is a peril?
A) Cause of loss or damage
B) Risk of driving
C) Accident liability
D) Insurance deductible
Answer: A
EXPLANATION: In insurance, a peril is any event that causes damage to the insured item.
11. Question: An appraiser’s license shall expire annually at midnight on which date?
A) December 31
B) June 30
C) July 1
D) May 15
Answer: B
EXPLANATION: Pennsylvania law states licenses expire June 30 each year unless renewed.
12. Question: Who determines the amount of damage to the vehicle?
A) Vehicle owner
B) Insurance adjuster
C) Repair technician
DAMAGE APPRAISER EXAM
Actual Questions and Answers
Expert-Verified Explanation
This Exam contains:
✪ Multiple-choice and True/False Format
✪ Expert-Verified Explanations
✪ Verified with Trusted Textbooks
1. Question: What are the number of business days you have per Act 361 to inspect a
vehicle?
A) 3
B) 5
C) 6
D) 10
Answer: C
EXPLANATION: Under Act 361, appraisers are required to inspect the vehicle within 6
business days of notification of a claim.
2. Question: How many days after an inspection should a total loss be offered to the owner?
A) 3
B) 4
C) 5
D) 6
Answer: C
EXPLANATION: The law mandates that a total loss offer should be made within 5 business
days following inspection.
3. Question: Aftermarket parts can only be used when?
A) The vehicle is over 5 years old
B) No OEM parts are available
C) The parts are listed and coded in the estimate
D) The insurer approves
Answer: C
,EXPLANATION: Pennsylvania regulations require that aftermarket parts be listed and clearly
identified in the repair estimate.
4. Question: What is aftermarket and why is it considered aftermarket?
A) It’s used parts from other models
B) Any recycled OEM parts
C) Non-OEM part for external body components
D) OEM parts from older models
Answer: C
EXPLANATION: Aftermarket parts are non-original equipment manufacturer parts used for
vehicle body repairs.
5. Question: What is the duty of the claimant after the loss?
A) Authorize the repair
B) Request parts details
C) Provide a date, time, and facts of the loss
D) Report to the state insurance board
Answer: C
EXPLANATION: Claimants must supply accurate information about the loss for claim
processing.
6. True or False: Appraisals should always be signed by the appraiser.
Answer: True
EXPLANATION: A signed appraisal confirms that the information was reviewed and verified
by a licensed appraiser.
7. Question: What is betterment?
A) A type of accident coverage
B) Additional premium charged
C) An improvement increasing vehicle value
D) A legal term in title transfer
Answer: C
EXPLANATION: Betterment occurs when a part replacement improves the vehicle beyond its
pre-loss condition.
, 8. Question: Which would be an example of an additional interest to the policy?
A) Broker
B) Appraiser
C) Lienholder
D) Sales agent
Answer: C
EXPLANATION: A lienholder is a party with financial interest in the vehicle and is listed on
the policy.
9. Question: Which is not a peril in reference to auto insurance?
A) Fire
B) Theft
C) Collision
D) Wind/Hail
Answer: D
EXPLANATION: While damage from wind or hail is common, it's typically categorized under
comprehensive coverage, not as a named peril.
10. Question: What is a peril?
A) Cause of loss or damage
B) Risk of driving
C) Accident liability
D) Insurance deductible
Answer: A
EXPLANATION: In insurance, a peril is any event that causes damage to the insured item.
11. Question: An appraiser’s license shall expire annually at midnight on which date?
A) December 31
B) June 30
C) July 1
D) May 15
Answer: B
EXPLANATION: Pennsylvania law states licenses expire June 30 each year unless renewed.
12. Question: Who determines the amount of damage to the vehicle?
A) Vehicle owner
B) Insurance adjuster
C) Repair technician
