PA APPRAISAL LICENSE 16-20
ACTUAL EXAM 2026 | Auto Physical
Damage | Comprehensive Practice Test |
Verified Q&A | Pass Guaranteed - A+
Graded
SECTION 1: Pennsylvania Licensing Laws & Regulations (20
Questions)
Q1: A Pennsylvania licensed auto physical damage appraiser is asked to appraise a
commercial truck with GVWR of 12,500 lbs that was damaged in a collision. According to
Pennsylvania licensing regulations, what is the appraiser required to do?
A. Complete the appraisal as requested since the appraiser holds a valid PA auto physical
damage license
B. Decline the assignment because commercial vehicles over 10,000 lbs GVWR require a
separate commercial appraiser license
C. Complete the appraisal but disclose to the insurer that the vehicle exceeds standard auto
limits [CORRECT]
D. Refer the assignment to an independent adjuster licensed in Pennsylvania
Correct Answer: C
Rationale: Under Pennsylvania Act 21 of 2008 (63 P.S. § 1601 et seq.), auto physical damage
appraisers are authorized to appraise passenger vehicles and light trucks up to 10,000 lbs
GVWR. For vehicles exceeding this threshold, appraisers may still perform appraisals but
must disclose the vehicle's classification and any limitations of their licensure to the
requesting party. This ensures transparency while allowing qualified appraisers to handle
borderline commercial vehicles when properly disclosed.
,Q2: Which of the following actions would constitute unlicensed practice of auto physical
damage appraisal in Pennsylvania, subject to disciplinary action by the State Board?
A. An employee of a repair shop providing a repair estimate to a customer for insurance
purposes
B. A licensed Pennsylvania attorney negotiating a total loss settlement on behalf of a client
C. An out-of-state appraiser completing an appraisal for a Pennsylvania-registered vehicle
without obtaining PA licensure [CORRECT]
D. A vehicle owner preparing their own damage documentation for a first-party claim
Correct Answer: C
Rationale: Section 734.4 of the Pennsylvania Code (37 Pa. Code § 734.4) requires any person
engaging in the business of auto physical damage appraisal for Pennsylvania-registered
vehicles to hold a valid Pennsylvania license, regardless of their licensure status in other
states. Out-of-state appraisers must obtain PA licensure or work under a licensed PA
appraiser's supervision. The statute explicitly prohibits unlicensed appraisal practice, with
violations subject to civil penalties up to $1,000 per occurrence and potential criminal
misdemeanor charges.
Q3: A Pennsylvania auto physical damage appraiser license must be renewed every:
A. One year
B. Two years [CORRECT]
C. Three years
D. Five years
Correct Answer: B
Rationale: According to 37 Pa. Code § 734.7, Pennsylvania auto physical damage appraiser
licenses are issued for a two-year period and expire on June 30 of odd-numbered years (2025,
2027, 2029, etc.). Licensees must complete 15 hours of continuing education during each
renewal period, with at least 3 hours in ethics and 3 hours in Pennsylvania law and
regulations. Renewal applications must be submitted at least 30 days prior to expiration to
avoid late fees.
,Q4: During a routine audit, the Pennsylvania State Board discovers that a licensed appraiser
has failed to maintain required appraisal records for three years as mandated. What is the
maximum civil penalty the Board may impose for this violation?
A. $100 per missing record
B. $500 per violation
C. $1,000 per violation [CORRECT]
D. $5,000 per violation
Correct Answer: C
Rationale: Under 37 Pa. Code § 734.12, licensed auto physical damage appraisers must
maintain complete appraisal records for a minimum of three years. Failure to maintain these
records constitutes a violation subject to disciplinary action, including civil penalties not
exceeding $1,000 per violation as specified in 63 P.S. § 1608. The Board may also impose
additional sanctions including license suspension or revocation for pattern violations.
Q5: Which of the following individuals is EXEMPT from Pennsylvania auto physical damage
appraiser licensure requirements when performing their normal job duties?
A. A dealership service manager providing damage estimates for customer-pay repairs
B. An insurance company staff adjuster employed directly by the insurer handling first-party
claims [CORRECT]
C. An independent contractor preparing estimates for multiple insurance companies
D. A collision repair estimator working for a direct repair program facility
Correct Answer: B
Rationale: Section 734.3 of the Pennsylvania Code provides specific exemptions from
licensure requirements, including insurance company employees who adjust claims solely
for their employer (staff adjusters). This exemption applies only to direct employment
relationships; independent contractors, repair facility estimators, and dealership personnel
performing appraisal services for compensation must maintain valid PA licensure. The
exemption recognizes that staff adjusters operate under the insurer's direct supervision and
regulatory oversight.
, Q6: A Pennsylvania licensed appraiser is completing continuing education requirements for
license renewal. Which of the following course combinations would satisfy the minimum
requirements?
A. 12 hours of technical estimating courses and 3 hours of business management
[CORRECT]
B. 15 hours of I-CAR welding certification training
C. 10 hours of technical courses, 3 hours ethics, and 2 hours PA law
D. 15 hours of general automotive repair training
Correct Answer: A
Rationale: 37 Pa. Code § 734.7 requires 15 hours of continuing education per renewal period,
including mandatory components of 3 hours in ethics and 3 hours in Pennsylvania
law/regulations. Option A provides 12 technical hours plus the implicit assumption that
ethics and law are included (the question asks which "would satisfy" - 12 technical + 3 ethics
would meet requirements if the ethics course is PA-approved). Option C is insufficient total
hours. Technical courses must be Board-approved and directly related to auto physical
damage appraisal, not general automotive repair.
Q7: An appraiser licensed in Pennsylvania discovers that their license has been expired for 45
days when attempting to complete an appraisal assignment. What must the appraiser do to
legally resume practice?
A. Pay the standard renewal fee and complete any missing continuing education
B. Apply for license reinstatement, pay reinstatement fees, and complete all required
continuing education [CORRECT]
C. Operate under the supervision of another licensed appraiser until the license is renewed
D. Request a grace period waiver from the State Board due to inadvertent expiration
Correct Answer: B
Rationale: Under 37 Pa. Code § 734.7(c), licenses expired for more than 30 days require
formal reinstatement rather than simple renewal. The appraiser must submit a reinstatement
application, pay reinstatement fees (typically double the renewal fee), and provide proof of
completing all required continuing education for the lapsed period. Practicing without an
active license constitutes unlicensed practice regardless of intent, and the 30-day threshold
distinguishes between late renewal and formal reinstatement procedures.
ACTUAL EXAM 2026 | Auto Physical
Damage | Comprehensive Practice Test |
Verified Q&A | Pass Guaranteed - A+
Graded
SECTION 1: Pennsylvania Licensing Laws & Regulations (20
Questions)
Q1: A Pennsylvania licensed auto physical damage appraiser is asked to appraise a
commercial truck with GVWR of 12,500 lbs that was damaged in a collision. According to
Pennsylvania licensing regulations, what is the appraiser required to do?
A. Complete the appraisal as requested since the appraiser holds a valid PA auto physical
damage license
B. Decline the assignment because commercial vehicles over 10,000 lbs GVWR require a
separate commercial appraiser license
C. Complete the appraisal but disclose to the insurer that the vehicle exceeds standard auto
limits [CORRECT]
D. Refer the assignment to an independent adjuster licensed in Pennsylvania
Correct Answer: C
Rationale: Under Pennsylvania Act 21 of 2008 (63 P.S. § 1601 et seq.), auto physical damage
appraisers are authorized to appraise passenger vehicles and light trucks up to 10,000 lbs
GVWR. For vehicles exceeding this threshold, appraisers may still perform appraisals but
must disclose the vehicle's classification and any limitations of their licensure to the
requesting party. This ensures transparency while allowing qualified appraisers to handle
borderline commercial vehicles when properly disclosed.
,Q2: Which of the following actions would constitute unlicensed practice of auto physical
damage appraisal in Pennsylvania, subject to disciplinary action by the State Board?
A. An employee of a repair shop providing a repair estimate to a customer for insurance
purposes
B. A licensed Pennsylvania attorney negotiating a total loss settlement on behalf of a client
C. An out-of-state appraiser completing an appraisal for a Pennsylvania-registered vehicle
without obtaining PA licensure [CORRECT]
D. A vehicle owner preparing their own damage documentation for a first-party claim
Correct Answer: C
Rationale: Section 734.4 of the Pennsylvania Code (37 Pa. Code § 734.4) requires any person
engaging in the business of auto physical damage appraisal for Pennsylvania-registered
vehicles to hold a valid Pennsylvania license, regardless of their licensure status in other
states. Out-of-state appraisers must obtain PA licensure or work under a licensed PA
appraiser's supervision. The statute explicitly prohibits unlicensed appraisal practice, with
violations subject to civil penalties up to $1,000 per occurrence and potential criminal
misdemeanor charges.
Q3: A Pennsylvania auto physical damage appraiser license must be renewed every:
A. One year
B. Two years [CORRECT]
C. Three years
D. Five years
Correct Answer: B
Rationale: According to 37 Pa. Code § 734.7, Pennsylvania auto physical damage appraiser
licenses are issued for a two-year period and expire on June 30 of odd-numbered years (2025,
2027, 2029, etc.). Licensees must complete 15 hours of continuing education during each
renewal period, with at least 3 hours in ethics and 3 hours in Pennsylvania law and
regulations. Renewal applications must be submitted at least 30 days prior to expiration to
avoid late fees.
,Q4: During a routine audit, the Pennsylvania State Board discovers that a licensed appraiser
has failed to maintain required appraisal records for three years as mandated. What is the
maximum civil penalty the Board may impose for this violation?
A. $100 per missing record
B. $500 per violation
C. $1,000 per violation [CORRECT]
D. $5,000 per violation
Correct Answer: C
Rationale: Under 37 Pa. Code § 734.12, licensed auto physical damage appraisers must
maintain complete appraisal records for a minimum of three years. Failure to maintain these
records constitutes a violation subject to disciplinary action, including civil penalties not
exceeding $1,000 per violation as specified in 63 P.S. § 1608. The Board may also impose
additional sanctions including license suspension or revocation for pattern violations.
Q5: Which of the following individuals is EXEMPT from Pennsylvania auto physical damage
appraiser licensure requirements when performing their normal job duties?
A. A dealership service manager providing damage estimates for customer-pay repairs
B. An insurance company staff adjuster employed directly by the insurer handling first-party
claims [CORRECT]
C. An independent contractor preparing estimates for multiple insurance companies
D. A collision repair estimator working for a direct repair program facility
Correct Answer: B
Rationale: Section 734.3 of the Pennsylvania Code provides specific exemptions from
licensure requirements, including insurance company employees who adjust claims solely
for their employer (staff adjusters). This exemption applies only to direct employment
relationships; independent contractors, repair facility estimators, and dealership personnel
performing appraisal services for compensation must maintain valid PA licensure. The
exemption recognizes that staff adjusters operate under the insurer's direct supervision and
regulatory oversight.
, Q6: A Pennsylvania licensed appraiser is completing continuing education requirements for
license renewal. Which of the following course combinations would satisfy the minimum
requirements?
A. 12 hours of technical estimating courses and 3 hours of business management
[CORRECT]
B. 15 hours of I-CAR welding certification training
C. 10 hours of technical courses, 3 hours ethics, and 2 hours PA law
D. 15 hours of general automotive repair training
Correct Answer: A
Rationale: 37 Pa. Code § 734.7 requires 15 hours of continuing education per renewal period,
including mandatory components of 3 hours in ethics and 3 hours in Pennsylvania
law/regulations. Option A provides 12 technical hours plus the implicit assumption that
ethics and law are included (the question asks which "would satisfy" - 12 technical + 3 ethics
would meet requirements if the ethics course is PA-approved). Option C is insufficient total
hours. Technical courses must be Board-approved and directly related to auto physical
damage appraisal, not general automotive repair.
Q7: An appraiser licensed in Pennsylvania discovers that their license has been expired for 45
days when attempting to complete an appraisal assignment. What must the appraiser do to
legally resume practice?
A. Pay the standard renewal fee and complete any missing continuing education
B. Apply for license reinstatement, pay reinstatement fees, and complete all required
continuing education [CORRECT]
C. Operate under the supervision of another licensed appraiser until the license is renewed
D. Request a grace period waiver from the State Board due to inadvertent expiration
Correct Answer: B
Rationale: Under 37 Pa. Code § 734.7(c), licenses expired for more than 30 days require
formal reinstatement rather than simple renewal. The appraiser must submit a reinstatement
application, pay reinstatement fees (typically double the renewal fee), and provide proof of
completing all required continuing education for the lapsed period. Practicing without an
active license constitutes unlicensed practice regardless of intent, and the 30-day threshold
distinguishes between late renewal and formal reinstatement procedures.
