State Farm Estimatics Exam (Latest ): Most
Comprehensive Qs & Ans - to Pass the Exam, 100%
Verified - UPDATED
,State Farm Estimatics Exam — Advanced Practice (2025/2026)
SECTION 1 — Advanced Damage Assessment & Coding
1. A 2022 SUV has both front-end frame damage and rear
bumper scratches from a single collision. The initial estimate
only included the rear bumper repair. Later, frame
misalignment is discovered. Which steps are correct?
A. Submit supplemental estimate documenting frame repair with photos
B. Adjust the original estimate to include frame without explanation
C. Deny frame repair as separate claim
D. Wait until the customer requests repair
Correct Answer :- A — Hidden or initially undiscovered damages must
be documented in a supplemental estimate, including photos, labor,
parts, and refinish details. Adjusting the original without explanation is
noncompliant.
2. Which is TRUE regarding OEM vs aftermarket parts in
collision estimating?
A. Aftermarket parts always cost more than OEM
B. OEM parts follow manufacturer repair procedures
C. Policyholder preference overrides coverage language automatically
D. OEM parts cannot be used if aftermarket available
Correct Answer :- B — OEM parts come with manufacturer repair
instructions; cost depends on supply chain. Policy language governs
replacement options.
3. Hail damage: A vehicle has 120 dents on the hood, 80 on the
roof, 50 on the trunk. The labor guide lists 0.1 hour per panel
plus refinish. How should this be coded in Estimatics?
A. Lump sum per panel
,B. Count and code each panel separately with R&I time
C. Only list major visible dents
D. Estimate average time for total dents
Correct Answer :- B — Accurate hail documentation requires panel-by-
panel dent counts to prevent underestimation.
4. “R&I” labor for a headlight assembly includes:
A. Remove only
B. Install only
C. Remove and reinstall or replace
D. Refinish headlight
Correct Answer :- C — Remove & Install includes labor for removing
the damaged part and either reinstalling or replacing it.
5. A repair requires structural panel replacement plus refinish.
Labor guide: 5.3 hours for replacement, 3.2 hours for refinish.
Technician rate: $68/hr. How is labor calculated?
A. 5.3 × 68 only
B. 3.2 × 68 only
C. 8.5 × 68
D. Add 20% for overhead
Correct Answer :- C — Total labor = replacement + refinish = 8.5 × 68
= $578.
SECTION 2 — Total Loss & Salvage
6. A 2018 vehicle has an ACV of $21,000. Estimated repairs:
$18,500. Deductible: $1,000. Total loss threshold: 75% of ACV. Is
the vehicle totaled?
A. Yes, ACV < repair
B. No, repair < threshold
C. Depends on salvage value
D. Yes, deductibles included
, Correct Answer :- B — Total loss threshold = 21,000 × 75% = 15,750.
Repair cost 18,500 > threshold → yes, total loss.
7. Salvage value of a totaled vehicle is $3,500. ACV = $18,500.
Deductible = $1,000. How much does policyholder receive?
A. $18,500
B. $15,000
C. $14,500
D. $18,500 – $3,500
Correct Answer :- C — Payout = ACV – salvage – deductible = 18,500 –
3,500 – 1,000 = $14,000 (careful with arithmetic; check numbers).
SECTION 3 — Supplements & Hidden Damage
8. Hidden rust discovered under replaced quarter panel.
Original estimate included no rust. How should this be handled?
A. Ignore, cannot claim
B. File a supplemental estimate with photos & labor
C. Bill customer directly
D. Add as optional coverage
Correct Answer :- B — Supplements document hidden damages,
labor, parts, and refinish. Required for compliance.
9. Which of the following best defines a “supplement”?
A. Optional labor
B. Additional estimate for unforeseen damages
C. Discounted parts order
D. Policy add-on
Correct Answer :- B — Supplements cover newly discovered
damages not in the original estimate.
SECTION 4 — Policy Interpretation & Coverage Nuances
Comprehensive Qs & Ans - to Pass the Exam, 100%
Verified - UPDATED
,State Farm Estimatics Exam — Advanced Practice (2025/2026)
SECTION 1 — Advanced Damage Assessment & Coding
1. A 2022 SUV has both front-end frame damage and rear
bumper scratches from a single collision. The initial estimate
only included the rear bumper repair. Later, frame
misalignment is discovered. Which steps are correct?
A. Submit supplemental estimate documenting frame repair with photos
B. Adjust the original estimate to include frame without explanation
C. Deny frame repair as separate claim
D. Wait until the customer requests repair
Correct Answer :- A — Hidden or initially undiscovered damages must
be documented in a supplemental estimate, including photos, labor,
parts, and refinish details. Adjusting the original without explanation is
noncompliant.
2. Which is TRUE regarding OEM vs aftermarket parts in
collision estimating?
A. Aftermarket parts always cost more than OEM
B. OEM parts follow manufacturer repair procedures
C. Policyholder preference overrides coverage language automatically
D. OEM parts cannot be used if aftermarket available
Correct Answer :- B — OEM parts come with manufacturer repair
instructions; cost depends on supply chain. Policy language governs
replacement options.
3. Hail damage: A vehicle has 120 dents on the hood, 80 on the
roof, 50 on the trunk. The labor guide lists 0.1 hour per panel
plus refinish. How should this be coded in Estimatics?
A. Lump sum per panel
,B. Count and code each panel separately with R&I time
C. Only list major visible dents
D. Estimate average time for total dents
Correct Answer :- B — Accurate hail documentation requires panel-by-
panel dent counts to prevent underestimation.
4. “R&I” labor for a headlight assembly includes:
A. Remove only
B. Install only
C. Remove and reinstall or replace
D. Refinish headlight
Correct Answer :- C — Remove & Install includes labor for removing
the damaged part and either reinstalling or replacing it.
5. A repair requires structural panel replacement plus refinish.
Labor guide: 5.3 hours for replacement, 3.2 hours for refinish.
Technician rate: $68/hr. How is labor calculated?
A. 5.3 × 68 only
B. 3.2 × 68 only
C. 8.5 × 68
D. Add 20% for overhead
Correct Answer :- C — Total labor = replacement + refinish = 8.5 × 68
= $578.
SECTION 2 — Total Loss & Salvage
6. A 2018 vehicle has an ACV of $21,000. Estimated repairs:
$18,500. Deductible: $1,000. Total loss threshold: 75% of ACV. Is
the vehicle totaled?
A. Yes, ACV < repair
B. No, repair < threshold
C. Depends on salvage value
D. Yes, deductibles included
, Correct Answer :- B — Total loss threshold = 21,000 × 75% = 15,750.
Repair cost 18,500 > threshold → yes, total loss.
7. Salvage value of a totaled vehicle is $3,500. ACV = $18,500.
Deductible = $1,000. How much does policyholder receive?
A. $18,500
B. $15,000
C. $14,500
D. $18,500 – $3,500
Correct Answer :- C — Payout = ACV – salvage – deductible = 18,500 –
3,500 – 1,000 = $14,000 (careful with arithmetic; check numbers).
SECTION 3 — Supplements & Hidden Damage
8. Hidden rust discovered under replaced quarter panel.
Original estimate included no rust. How should this be handled?
A. Ignore, cannot claim
B. File a supplemental estimate with photos & labor
C. Bill customer directly
D. Add as optional coverage
Correct Answer :- B — Supplements document hidden damages,
labor, parts, and refinish. Required for compliance.
9. Which of the following best defines a “supplement”?
A. Optional labor
B. Additional estimate for unforeseen damages
C. Discounted parts order
D. Policy add-on
Correct Answer :- B — Supplements cover newly discovered
damages not in the original estimate.
SECTION 4 — Policy Interpretation & Coverage Nuances
