PA Appraisal License 16-20 Auto Physical
Damage exam 2025 with correct answers
In PA, a consumer reporting agency may list all of the following information about a consumer EXCEPT:
Medical Information CORRECT ANSWER The device that synchronizes the spark plug firing
sequence is: Camshaft Sensor CORRECT ANSWER If an insured fail to report a claim in a timely
fashion the adjuster will usually:Send the insured a reservation of rights letter CORRECT ANSWER
When using a dedicated bench fixture to measure a unibody with front-end damage, where should
fixtures be placed? Fixtures should be placed in the damaged area to check fit up to the jig.
CORRECT ANSWER Vehicle name plates such as Grand Prix SE are only available through the dealership
and are purchased in what way? Nameplates are not available aftermarket and are usually
purchased from the dealer on a per item basis CORRECT ANSWER Under Pennsylvania law, which of
the following is true regarding the replacement of a damaged double hood latch?:
It may be replaced with any working latch system from a salvage yard.
It must be replaced with any new hood latch system.
It must be replaced with a double latch system.
It may be replaced with a single hood latch system. It must be replaced with a double latch system.
is correct. CORRECT ANSWER Technician A says that damaged structural sheet metal should be
removed before any pulling and straightening is performed. Technician B says that damaged structural
metal should remain to be used for pulling attachment areas. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct Technician B only CORRECT ANSWER Which of the following is the
computer in the vehicle?
Controller
Pump
Speed Sensors
,Valves Controller CORRECT ANSWER If an insured fails to report a claim in a timely fashion, the
adjuster will immediately:
Deny the claim.
Send the insured a reservation of rights letter.
Cease the claims investigation.
Seek the advice of the company's attorney Send the insured a reservation of rights letter..
CORRECT ANSWER If an auto appraiser uses the actual cost method to determine a vehicle's value,
which of the following is not a factor?:
The location of the vehicle of like kind and quality
The salvage value of the damaged vehicle
The actual cost of an available vehicle in similar condition to or better than the motor vehicle being
appraised
The vehicle being appraised is similar to the damaged vehicle in its pre-damaged condition The
salvage value of the damaged vehicle CORRECT ANSWER A structural rail is being cut for sectioning.
Technician A says to use a cutting torch to make the final cut line. Technician B says to use a cut-off
wheel or saw to make the final cut. Who is right?
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct Technician B only CORRECT ANSWER Which of the following coverages
is included as "no-fault" coverage on the standardized Personal Auto policy?:
Uninsured Motorists coverage.
Medical Payments and Physical Damage.
A state-mandated "no-fault" coverage plan.
Liability coverage. Medical Payments and Physical Damage CORRECT ANSWER Following the
payment of an automobile claim, the salvaged property becomes the property of:
The insured
,The insurer
A third party salvage company contracted by the insured
The State until sold and the proceeds deducted from the claim payment to the insured The insurer
CORRECT ANSWER A car has adjustable door hinges. There is a significant gap at the top of the front
top and the bottom as well between the front fender and the windshield support column of the door.
Technician A says the gap can be adjusted by repositioning the hinges. Technician B says the gap can be
adjusted by shimming the hinges. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technicians are correct Technician A only CORRECT ANSWER Driver 1 and Driver 2 are in an
accident. Driver 2 has the following damages:
Property Damage - $1,000
Rental Car Expense - $500
Emergency Room Expense - $400
Lost Wages - $300
The extent of the bodily injury will not be known for six months. How should the adjuster on this claim
pay damages for Driver 2?
Pay all damage to date, provide a full and final release has been signed by Driver 2.
Pay nothing until total of all damages has been determined.
Pay the property damage and rental car expense and settle the bodily injury at a later time.
None of the responses listed are correct. Pay the property damage and rental car expense and
settle the bodily injury at a later time.. CORRECT ANSWER Which of the following would not have an
insurable interest in a covered vehicle?:
An underage driver who lives in the household
A lien holder
, A vehicle jointly owned by a husband and wife
A vehicle the father has sold to an offspring and agrees to let her make payments An underage
driver who lives in the household. CORRECT ANSWER Which one of the following components is NOT
part of the radiator support?:
Side baffles
Upper tie bar
Lower tie bar
Radiator Radiator CORRECT ANSWER An ECM is:
a federal code within the Environmental Protection Agency (EPA).
a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. an electronic control module CORRECT ANSWER Which of the
following would not be considered a "peril" insured against by the physical damage coverages in an auto
policy?
Select the CORRECT ANSWER
Theft of the vehicle by an unknown person not permitted to operate the vehicle
Flood damage to the vehicle
Fire caused intentionally by the owner
Glass breakage, lightning, vandalism and wind Fire caused intentionally by the owner CORRECT
ANSWER In order for a "full release settlement" to become closed, what MUST occur?
Select the CORRECT ANSWER
Damage exam 2025 with correct answers
In PA, a consumer reporting agency may list all of the following information about a consumer EXCEPT:
Medical Information CORRECT ANSWER The device that synchronizes the spark plug firing
sequence is: Camshaft Sensor CORRECT ANSWER If an insured fail to report a claim in a timely
fashion the adjuster will usually:Send the insured a reservation of rights letter CORRECT ANSWER
When using a dedicated bench fixture to measure a unibody with front-end damage, where should
fixtures be placed? Fixtures should be placed in the damaged area to check fit up to the jig.
CORRECT ANSWER Vehicle name plates such as Grand Prix SE are only available through the dealership
and are purchased in what way? Nameplates are not available aftermarket and are usually
purchased from the dealer on a per item basis CORRECT ANSWER Under Pennsylvania law, which of
the following is true regarding the replacement of a damaged double hood latch?:
It may be replaced with any working latch system from a salvage yard.
It must be replaced with any new hood latch system.
It must be replaced with a double latch system.
It may be replaced with a single hood latch system. It must be replaced with a double latch system.
is correct. CORRECT ANSWER Technician A says that damaged structural sheet metal should be
removed before any pulling and straightening is performed. Technician B says that damaged structural
metal should remain to be used for pulling attachment areas. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct Technician B only CORRECT ANSWER Which of the following is the
computer in the vehicle?
Controller
Pump
Speed Sensors
,Valves Controller CORRECT ANSWER If an insured fails to report a claim in a timely fashion, the
adjuster will immediately:
Deny the claim.
Send the insured a reservation of rights letter.
Cease the claims investigation.
Seek the advice of the company's attorney Send the insured a reservation of rights letter..
CORRECT ANSWER If an auto appraiser uses the actual cost method to determine a vehicle's value,
which of the following is not a factor?:
The location of the vehicle of like kind and quality
The salvage value of the damaged vehicle
The actual cost of an available vehicle in similar condition to or better than the motor vehicle being
appraised
The vehicle being appraised is similar to the damaged vehicle in its pre-damaged condition The
salvage value of the damaged vehicle CORRECT ANSWER A structural rail is being cut for sectioning.
Technician A says to use a cutting torch to make the final cut line. Technician B says to use a cut-off
wheel or saw to make the final cut. Who is right?
Technician A only
Technician B only
Both technicians are correct
Neither technician is correct Technician B only CORRECT ANSWER Which of the following coverages
is included as "no-fault" coverage on the standardized Personal Auto policy?:
Uninsured Motorists coverage.
Medical Payments and Physical Damage.
A state-mandated "no-fault" coverage plan.
Liability coverage. Medical Payments and Physical Damage CORRECT ANSWER Following the
payment of an automobile claim, the salvaged property becomes the property of:
The insured
,The insurer
A third party salvage company contracted by the insured
The State until sold and the proceeds deducted from the claim payment to the insured The insurer
CORRECT ANSWER A car has adjustable door hinges. There is a significant gap at the top of the front
top and the bottom as well between the front fender and the windshield support column of the door.
Technician A says the gap can be adjusted by repositioning the hinges. Technician B says the gap can be
adjusted by shimming the hinges. Who is right?:
Technician A only
Technician B only
Both technicians are correct
Neither technicians are correct Technician A only CORRECT ANSWER Driver 1 and Driver 2 are in an
accident. Driver 2 has the following damages:
Property Damage - $1,000
Rental Car Expense - $500
Emergency Room Expense - $400
Lost Wages - $300
The extent of the bodily injury will not be known for six months. How should the adjuster on this claim
pay damages for Driver 2?
Pay all damage to date, provide a full and final release has been signed by Driver 2.
Pay nothing until total of all damages has been determined.
Pay the property damage and rental car expense and settle the bodily injury at a later time.
None of the responses listed are correct. Pay the property damage and rental car expense and
settle the bodily injury at a later time.. CORRECT ANSWER Which of the following would not have an
insurable interest in a covered vehicle?:
An underage driver who lives in the household
A lien holder
, A vehicle jointly owned by a husband and wife
A vehicle the father has sold to an offspring and agrees to let her make payments An underage
driver who lives in the household. CORRECT ANSWER Which one of the following components is NOT
part of the radiator support?:
Side baffles
Upper tie bar
Lower tie bar
Radiator Radiator CORRECT ANSWER An ECM is:
a federal code within the Environmental Protection Agency (EPA).
a component of the exhaust system.
an electronic control module.
a voltage and alternator regulator. an electronic control module CORRECT ANSWER Which of the
following would not be considered a "peril" insured against by the physical damage coverages in an auto
policy?
Select the CORRECT ANSWER
Theft of the vehicle by an unknown person not permitted to operate the vehicle
Flood damage to the vehicle
Fire caused intentionally by the owner
Glass breakage, lightning, vandalism and wind Fire caused intentionally by the owner CORRECT
ANSWER In order for a "full release settlement" to become closed, what MUST occur?
Select the CORRECT ANSWER
