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STATE FARM ESTIMATICS EXAM 2026/2027 – 100% VERIFIED QUESTIONS &
ANSWERS WITH EXPLANATIONS ALREADY GRADED A+
Question 1
An adjuster inspects a vehicle with front bumper damage after a low-speed
collision. The bumper cover is cracked but the reinforcement bar is intact. What is
the most appropriate repair decision?
A. Replace bumper cover only
B. Replace both bumper cover and reinforcement bar
C. Repair bumper cover with filler
D. Repaint bumper cover only
Correct Answer: A. Replace bumper cover only
Rationale:
Cracked bumper covers cannot be reliably repaired with fillers for structural or
cosmetic reasons. Since the reinforcement bar is intact, only the cover needs
replacement. Repainting alone will not address the crack. Replacing both parts is
unnecessary and would inflate repair costs.
Question 2
A vehicle’s headlamp assembly has a broken lens but the housing and electrical
components are undamaged. What is the proper estimate action?
A. Replace entire headlamp assembly
B. Replace just the lens
C. Repair lens with adhesive
D. Remove and reinstall headlamp
Correct Answer: A. Replace entire headlamp assembly
Rationale:
OEM standards require replacement of the entire headlamp assembly when the
lens is cracked or broken. Individual lens replacement is not supported by most
manufacturers. Adhesive repairs are not safety-compliant, and R&I (remove and
install) alone does not fix the damage.
Question 3
When writing an estimate, what is the purpose of the “judgment item” category?
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A. Parts with fixed OEM pricing
B. Non-repairable parts
C. Repairs requiring estimator’s professional discretion
D. Repairs already covered under warranty
Correct Answer: C. Repairs requiring estimator’s professional discretion
Rationale:
Judgment items refer to repair labor times or procedures that are not explicitly
listed in the estimating database. The adjuster must apply professional experience
to assign appropriate time. This ensures accuracy and fairness. OEM-priced parts
and warranty items are excluded from judgment classification.
Question 4
A door panel shows a 6-inch dent with no paint damage. Which repair method is
most appropriate?
A. Replace door panel
B. Paintless dent repair (PDR)
C. Refinish the entire door
D. Apply filler and repaint
Correct Answer: B. Paintless dent repair (PDR)
Rationale:
Paintless dent repair is the preferred method when the dent is moderate in size
and the paint surface is intact. It restores the panel without refinishing, lowering
cost and preserving factory paint. Replacement or filler is unnecessary since no
structural damage is present.
Question 5
Which of the following is not included in refinish labor times provided in
estimating systems?
A. Masking adjacent panels
B. Color tinting/blending
C. Application of basecoat/clearcoat
D. Vehicle clean-up after painting
Correct Answer: B. Color tinting/blending
Rationale:
Refinish labor times include basecoat and clearcoat application as well as masking
and cleanup, but they do not include color tinting or blending, which vary by
vehicle and must be added separately. This ensures fair compensation for
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additional labor when exact color matching is required.
Question 6
While reviewing an estimate, an adjuster notices that a part price was entered
manually instead of pulled from the estimating database. What should the
adjuster do first?
A. Approve the part cost as entered
B. Verify OEM list price for accuracy
C. Reduce the part price to save cost
D. Reject the entire estimate
Correct Answer: B. Verify OEM list price for accuracy
Rationale:
Manual entry may indicate a part not listed in the estimating database. The
adjuster must verify the OEM price to ensure accuracy and prevent over- or
underpayment. Approving without checking risks errors, while rejecting the entire
estimate is unnecessary. Cost-cutting without validation could result in under-
indemnification.
Question 7
A fender has corrosion damage that must be repaired. What is the proper
estimating approach?
A. List corrosion repair as standard labor
B. Write corrosion repair as a manual entry line
C. Replace fender automatically
D. Ignore corrosion damage since unrelated to collision
Correct Answer: B. Write corrosion repair as a manual entry line
Rationale:
Corrosion repair is not included in standard database labor times because it is
considered pre-existing damage. It must be written as a manual entry so the
customer understands it is unrelated to the covered collision loss. Replacement
may be needed depending on severity, but it cannot be assumed.
Question 8
Which of the following is typically included in “R&I labor” (Remove & Install)?
A. Replacing damaged parts
B. Cleaning vehicle interior
C. Temporarily removing an undamaged component for access
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D. Refinishing adjacent panels
Correct Answer: C. Temporarily removing an undamaged component for access
Rationale:
R&I labor covers the removal and reinstallation of undamaged parts to gain access
to repair or replace other components. It does not cover replacing damaged parts,
refinishing, or unrelated cleaning.
Question 9
What is the primary purpose of using the “blend” refinish option in estimating
software?
A. To reduce paint costs
B. To match color across adjacent panels
C. To cover scratches unrelated to collision
D. To increase estimate totals
Correct Answer: B. To match color across adjacent panels
Rationale:
Blend refinishing ensures a seamless color match when repainting panels. It
allows gradual shading across adjacent panels to avoid visible mismatches. This is
a recognized industry practice. It is not for unrelated damage or cost inflation.
Question 10
An adjuster finds that the airbag deployed in a collision. What is the appropriate
action?
A. Reinstall the same airbag if not damaged
B. Replace the airbag module and related components
C. Disable the airbag system
D. Ignore unless there is visible damage
Correct Answer: B. Replace the airbag module and related components
Rationale:
Deployed airbags cannot be reused and must be replaced, along with associated
modules and sensors as specified by OEM. Reinstalling or ignoring poses major
safety risks.
Question 11
What is a “betterment” adjustment in estimating?
A. A discount applied by the shop
B. Deduction for items that improve vehicle condition beyond pre-loss
C. A fee added for rare parts
STATE FARM ESTIMATICS EXAM 2026/2027 – 100% VERIFIED QUESTIONS &
ANSWERS WITH EXPLANATIONS ALREADY GRADED A+
Question 1
An adjuster inspects a vehicle with front bumper damage after a low-speed
collision. The bumper cover is cracked but the reinforcement bar is intact. What is
the most appropriate repair decision?
A. Replace bumper cover only
B. Replace both bumper cover and reinforcement bar
C. Repair bumper cover with filler
D. Repaint bumper cover only
Correct Answer: A. Replace bumper cover only
Rationale:
Cracked bumper covers cannot be reliably repaired with fillers for structural or
cosmetic reasons. Since the reinforcement bar is intact, only the cover needs
replacement. Repainting alone will not address the crack. Replacing both parts is
unnecessary and would inflate repair costs.
Question 2
A vehicle’s headlamp assembly has a broken lens but the housing and electrical
components are undamaged. What is the proper estimate action?
A. Replace entire headlamp assembly
B. Replace just the lens
C. Repair lens with adhesive
D. Remove and reinstall headlamp
Correct Answer: A. Replace entire headlamp assembly
Rationale:
OEM standards require replacement of the entire headlamp assembly when the
lens is cracked or broken. Individual lens replacement is not supported by most
manufacturers. Adhesive repairs are not safety-compliant, and R&I (remove and
install) alone does not fix the damage.
Question 3
When writing an estimate, what is the purpose of the “judgment item” category?
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A. Parts with fixed OEM pricing
B. Non-repairable parts
C. Repairs requiring estimator’s professional discretion
D. Repairs already covered under warranty
Correct Answer: C. Repairs requiring estimator’s professional discretion
Rationale:
Judgment items refer to repair labor times or procedures that are not explicitly
listed in the estimating database. The adjuster must apply professional experience
to assign appropriate time. This ensures accuracy and fairness. OEM-priced parts
and warranty items are excluded from judgment classification.
Question 4
A door panel shows a 6-inch dent with no paint damage. Which repair method is
most appropriate?
A. Replace door panel
B. Paintless dent repair (PDR)
C. Refinish the entire door
D. Apply filler and repaint
Correct Answer: B. Paintless dent repair (PDR)
Rationale:
Paintless dent repair is the preferred method when the dent is moderate in size
and the paint surface is intact. It restores the panel without refinishing, lowering
cost and preserving factory paint. Replacement or filler is unnecessary since no
structural damage is present.
Question 5
Which of the following is not included in refinish labor times provided in
estimating systems?
A. Masking adjacent panels
B. Color tinting/blending
C. Application of basecoat/clearcoat
D. Vehicle clean-up after painting
Correct Answer: B. Color tinting/blending
Rationale:
Refinish labor times include basecoat and clearcoat application as well as masking
and cleanup, but they do not include color tinting or blending, which vary by
vehicle and must be added separately. This ensures fair compensation for
,3|Page
additional labor when exact color matching is required.
Question 6
While reviewing an estimate, an adjuster notices that a part price was entered
manually instead of pulled from the estimating database. What should the
adjuster do first?
A. Approve the part cost as entered
B. Verify OEM list price for accuracy
C. Reduce the part price to save cost
D. Reject the entire estimate
Correct Answer: B. Verify OEM list price for accuracy
Rationale:
Manual entry may indicate a part not listed in the estimating database. The
adjuster must verify the OEM price to ensure accuracy and prevent over- or
underpayment. Approving without checking risks errors, while rejecting the entire
estimate is unnecessary. Cost-cutting without validation could result in under-
indemnification.
Question 7
A fender has corrosion damage that must be repaired. What is the proper
estimating approach?
A. List corrosion repair as standard labor
B. Write corrosion repair as a manual entry line
C. Replace fender automatically
D. Ignore corrosion damage since unrelated to collision
Correct Answer: B. Write corrosion repair as a manual entry line
Rationale:
Corrosion repair is not included in standard database labor times because it is
considered pre-existing damage. It must be written as a manual entry so the
customer understands it is unrelated to the covered collision loss. Replacement
may be needed depending on severity, but it cannot be assumed.
Question 8
Which of the following is typically included in “R&I labor” (Remove & Install)?
A. Replacing damaged parts
B. Cleaning vehicle interior
C. Temporarily removing an undamaged component for access
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D. Refinishing adjacent panels
Correct Answer: C. Temporarily removing an undamaged component for access
Rationale:
R&I labor covers the removal and reinstallation of undamaged parts to gain access
to repair or replace other components. It does not cover replacing damaged parts,
refinishing, or unrelated cleaning.
Question 9
What is the primary purpose of using the “blend” refinish option in estimating
software?
A. To reduce paint costs
B. To match color across adjacent panels
C. To cover scratches unrelated to collision
D. To increase estimate totals
Correct Answer: B. To match color across adjacent panels
Rationale:
Blend refinishing ensures a seamless color match when repainting panels. It
allows gradual shading across adjacent panels to avoid visible mismatches. This is
a recognized industry practice. It is not for unrelated damage or cost inflation.
Question 10
An adjuster finds that the airbag deployed in a collision. What is the appropriate
action?
A. Reinstall the same airbag if not damaged
B. Replace the airbag module and related components
C. Disable the airbag system
D. Ignore unless there is visible damage
Correct Answer: B. Replace the airbag module and related components
Rationale:
Deployed airbags cannot be reused and must be replaced, along with associated
modules and sensors as specified by OEM. Reinstalling or ignoring poses major
safety risks.
Question 11
What is a “betterment” adjustment in estimating?
A. A discount applied by the shop
B. Deduction for items that improve vehicle condition beyond pre-loss
C. A fee added for rare parts
