PA Appraisal License 16-20 Auto Physical Damage Questions & Answers 2023

PA Appraisal License 16-20 Auto Physical Damage Questions & Answers 2023 In PA, a consumer reporting agency may list all of the following information about a consumer EXCEPT: - Correct Answer-Medical Information The device that synchronizes the spark plug firing sequence is: - Correct AnswerCamshaft Sensor If an insured fail to report a claim in a timely fashion the adjuster will usually: - Correct Answer-Send the insured a reservation of rights letter When using a dedicated bench fixture to measure a unibody with front-end damage, where should fixtures be placed? - Correct Answer-Fixtures should be placed in the damaged area to check fit up to the jig. Vehicle name plates such as Grand Prix SE are only available through the dealership and are purchased in what way? - Correct Answer-Nameplates are not available aftermarket and are usually purchased from the dealer on a per item basis 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. - Correct Answer-It must be replaced with a double latch system. is correct. 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 - Correct Answer-Technician B only Which of the following is the computer in the vehicle? Controller Pump Speed Sensors Valves - Correct Answer-Controller 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 - Correct Answer-Send the insured a reservation of rights letter.. 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 - Correct Answer-The salvage value of the damaged vehicle 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 - Correct Answer-Technician B only 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. - Correct Answer-Medical Payments and Physical Damage 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 - Correct Answer-The insurer 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 - Correct Answer-Technician A only 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. - Correct Answer-Pay the property damage and rental car expense and settle the bodily injury at a later time.. 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 - Correct Answer-An underage driver who lives in the household. Which one of the following components is NOT part of the radiator support?: Side baffles Upper tie bar Lower tie bar Radiator - Correct Answer-Radiator 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. - Correct Answer-an electronic control module 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 - Correct Answer-Fire caused intentionally by the owner In order for a "full release settlement" to become closed, what MUST occur? Select the Correct Answer The release must contain the proper names of both the first and third party. The release must contain the date, time and place that the accident occurred. The release must be properly signed. The claim check must be cashed by the claimant. - Correct Answer-The claim check must be cashed by the claimant Automotive paint needs to maintain flexibility so that: Select the Correct Answer It won't split when panels are damaged. Moisture won't affect it. It can expand and contract with the vehicle body. Minor dents can be repaired. - Correct Answer-It can expand and contract with the vehicle body Which of the garage policy coverages will pay for physical damage to a garage customer's auto regardless of legal liability? Select the Correct Answer Section II - Garage Liability coverage. Section IV - Garage physical damage coverage. Garagekeepers legal liability coverage. Garagekeepers direct primary coverage. - Correct Answer-Garagekeepers direct primary coverage A car has had the front sheet metal replaced. The fender-to-door gap is wider on the passenger side than on the driver side and the hood appears out of alignment. Technician A says that only the hood latch is misaligned. Technician B says the front structure of the vehicle is not dimensionally correct. Who is right? Select the Correct Answer Technician B only Technician A only Both technicians are correct Neither technician is correct - Correct Answer-Technician B only While performing an inspection on a unibody vehicle, it is discovered that the driver's door drops when opened. Technician A says this is inertia damage in the cowl area. Technician B says that since the door did not take a direct impact, it could not be damaged during the collision. Who is right? Select the Correct Answer Technician A only Technician B only Both technicians are correct Neither technician is correct - Correct Answer-Technician A only is correct The driver's side window of a vehicle is being put back into place with an adhesive. Technician A says the glass hardware should be reinstalled before putting the glass in place with the adhesive. Technician B says that the hardware should be reinstalled while the glass adhesive is curing. Who is right? Select the Correct Answer Technician A only Technician B only Neither technician is correct Both technicians are correct - Correct Answer-Neither technician is right. The hardware should not be reinstalled until the adhesive has fully finished curing. In the course of disassembling a suspension, a technician removes a bolt that has a blue coating applied to its threads. He should: Select the Correct Answer reuse the bolt if most of the blue coating is still intact. replace the bolt with a new fastener. use a thread-locking agent on it. change out the bolt with a new rivas pin oscillator bolt. - Correct Answer-replace the bolt with a new fastener.. Explanation: When a technician removes a fastener with a coating on its threads, this tells him that the bolt is a one-time use fastener. The coating is compromised in the removal operation and needs to be replaced. When removing a door skin, Technician A says an air chisel should be used to separate the welded door skin from the door skin hem flange. Technician B says a grinder should be used to grind away the edge of the door skin. Who is right? Select the Correct Answer Technician A is correct Technician B is correct Both technicians are correct Neither technicians are correct - Correct Answer-Technician B is correct is correct. Explanation: An air chisel would cause too much damage to the door skin hem flange. The proper method is to use a grinder. Which of the following terms supports insurable interest? Select the Correct Answer Actual cash value Indemnity Replacement cost Fair market value - Correct Answer-Indemnity is correct. Explanation: Insurable interest is economic interest; having a financial stake in property; having something to lose in property. When you own property, have property of others in your possession, or have legal title to property, you have an insurable interest. If there is a covered loss, you will be indemnified or made who only to the extent of your insurable interest and subject to the policy limits. In the four-stroke power cycle, what term describes the up motion of the piston? Select the Correct Answer Compression stroke Intake stroke Power stroke Exhaust stroke - Correct Answer-Compression stroke. Explanation: When the piston moves back up, it compresses the fuel/air mixture into a small space between the top of the piston and the top of the cylinder. This space is called the combustion chamber. This movement is called the compression stroke. An automobile that has its substructure built into the front end and body panels of the vehicle is called a: Select the Correct Answer shell vehicle. channel vehicle. conventional frame vehicle. unibody vehicle. - Correct Answer-unibody vehicle. is correct. Explanation: A conventional frame vehicle has a separate substructure to which the vehicle's front end, body and mechanical parts are bolted. There is no such thing as a shell or channel vehicle. An automobile that has its substructure built into the front end and body panels of the vehicle is called a unibody vehicle. When reading the printout from a computerized measuring system, it is discovered that the front rails are +22mm on the right and -22mm on the left at the same position. Technician A says the vehicle is swayed to the right. Technician B says the vehicle is swayed to the left. Who is right? Select the Correct Answer Technician A only Technician B only Both technicians are correct Neither technician is correct - Correct Answer-The correct answer is: Technician A only. Explanation: Positive from centerline on the right and negative on the left at the same measuring point means that the vehicle is side swayed to the right. Therefore, Technician A is correct. An insurance appraiser writes an estimate on the repair of a door indicating the replacement of the outer panel and a repair to the door frame. Once the outer skin is removed, the technician discovers damage to the intrusion beam. Technician A says the repair to the beam is included in the provision for the repair of the door frame. Technician B says it is not, and a separate procedure and line item on the bill is called for. Who is right? Select the Correct Answer Technician A only Technician B only Both technicians are correct Neither technician is correct - Correct Answer-Neither technician is correct is correct. Explanation: Neither technician is right. Door intrusion beams should never be repaired. They are constructed of UHSS (Ultra-High Strength Steel) and are considered unrepairable. A supplement should be submitted to the insurance company for in stalling a new beam or a new door shell. Technician A says that when repairing a unibody vehicle, it may be necessary to hold the suspension mounting area along with the pinchwelds for additional holding strength. Technician B says that pinchweld clamps are only necessary on the damaged part of the vehicle. Who is right?