New York State Auto Damage and
Theft 2026 Exam Questions and Answers
Jim Smith is involved in a collision claim and is no longer able to use the vehicle
to go to work. This "loss of use" is referred to as a:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - Correct Answer -Consequential loss
When the rear of the vehicle is damaged and there is a gap between the trunk lid
and the quarter panel, what else on the vehicle should the appraiser check?
The center pillar
The trunk floor
The quarter panels
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,The frame rails - Correct Answer -The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - Correct Answer -Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - Correct Answer -$1000
Which of the following is NOT a true statement regarding auto appraisers?
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,Each appraiser, while engaged in appraisal duties, must carry the license issued to
him by the Insurance Department and display it, upon request, to an owner whose
vehicle is being inspected, to the repair shop representative involved.
The appraiser must leave a legible copy of his appraisal with that of the repair shop
selected by the consumer to make the repairs and also furnish a copy to the owner
of the vehicle.
No appraiser is permitted secure or use repair estimates that have been obtained by
the use of photographs, telephone calls or in any manner other than a personal
inspection.
The appraiser is permitted to traffic in automobile salvage if such salvage is
obtained in any way as a result of appraisal services rendered by him for his own
benefit. - Correct Answer -The appraiser is permitted to traffic in automobile
salvage if such salvage is obtained in any way as a result of appraisal services
rendered by him for his own benefit.
The burden of proof that a covered loss has occurred is normally a duty of:
The insurance company
The adjuster
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, The appraiser
The insured - Correct Answer -The insured
Before revoking or suspending a license, the Superintendent must first send _____
notice and give the accused an opportunity for a hearing.
3 months
45 days.
10 days.
60 days. - Correct Answer -1o days
The linkage between the camshaft and the valves is commonly known as the:
piston.
crankshaft.
valve train.
cylinder. - Correct Answer -valve train
Which of the following is the computer in the vehicle?
©COPYRIGHT 2025 ALL RIGHTS RESERVED 4
Theft 2026 Exam Questions and Answers
Jim Smith is involved in a collision claim and is no longer able to use the vehicle
to go to work. This "loss of use" is referred to as a:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - Correct Answer -Consequential loss
When the rear of the vehicle is damaged and there is a gap between the trunk lid
and the quarter panel, what else on the vehicle should the appraiser check?
The center pillar
The trunk floor
The quarter panels
©COPYRIGHT 2025 ALL RIGHTS RESERVED 1
,The frame rails - Correct Answer -The frame rails
In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss
Indirect loss
Loss evaluation
Consequential loss - Correct Answer -Direct loss
If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$500
$1000
$2000
$5000 - Correct Answer -$1000
Which of the following is NOT a true statement regarding auto appraisers?
©COPYRIGHT 2025 ALL RIGHTS RESERVED 2
,Each appraiser, while engaged in appraisal duties, must carry the license issued to
him by the Insurance Department and display it, upon request, to an owner whose
vehicle is being inspected, to the repair shop representative involved.
The appraiser must leave a legible copy of his appraisal with that of the repair shop
selected by the consumer to make the repairs and also furnish a copy to the owner
of the vehicle.
No appraiser is permitted secure or use repair estimates that have been obtained by
the use of photographs, telephone calls or in any manner other than a personal
inspection.
The appraiser is permitted to traffic in automobile salvage if such salvage is
obtained in any way as a result of appraisal services rendered by him for his own
benefit. - Correct Answer -The appraiser is permitted to traffic in automobile
salvage if such salvage is obtained in any way as a result of appraisal services
rendered by him for his own benefit.
The burden of proof that a covered loss has occurred is normally a duty of:
The insurance company
The adjuster
©COPYRIGHT 2025 ALL RIGHTS RESERVED 3
, The appraiser
The insured - Correct Answer -The insured
Before revoking or suspending a license, the Superintendent must first send _____
notice and give the accused an opportunity for a hearing.
3 months
45 days.
10 days.
60 days. - Correct Answer -1o days
The linkage between the camshaft and the valves is commonly known as the:
piston.
crankshaft.
valve train.
cylinder. - Correct Answer -valve train
Which of the following is the computer in the vehicle?
©COPYRIGHT 2025 ALL RIGHTS RESERVED 4
