New York State Auto Damage and Theft

In PA, a consumer reporting agency may list all of the following information about a consumer EXCEPT: Medical Information The device that synchronizes the spark plug firing sequence is: Camshaft Sensor If an insured fail to report a claim in a timely fashion the adjuster will usually: 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? Fixtures should be placed i...

Actuator Part of a computer system that makes physical adjustments to change how a system operates based on instructions it receives from the computer. Air Bag System Safety system designed to prevent or reduce bodily injuries arising from auto accidents. When the car is involved in a collision of sufficient force, an inflatable cushion emerges within the passenger compartment that cushions the occupant's impact against the interior of the vehicle. Air Cleaner Device that provi...

Types of body damage Direct; Indirect; Minor; Major Direct Damage Results in direct contact with an object. Holes, tears, gouges, and scratches are typical. Generally 10% of collisions result in direct damage Indirect Damage Results from direct damage. Impact cause another panel to lift, buckle, or tear. Rear end collision may result in damage near middle of car Minor Damage Involves little repair time and skill to complete Major Damage Requires more: time, s...

Aftermarket Parts Non OEM OEM Original Equipment Manufacture VIN Vehicle ID Number 17 Digits 10th digit tells year Last 6 digits ID's the car Found on Dashboard U Bolts Attached the axle to the leaf springs Power Breaks Gets power from the booster Differentials Delivers power to the wheel CV Joint Constant Velocity Joint Deliver power to the front wheels 4 on unibody cars Crane Shaft Delivers power from engine to the drive train ...

Offense Conduct where a fine or term of imprisonment may be imposed. Every crime is an offense, but not every offense is a crime Traffic Infraction Speeding, running a red light, driving on cell phone, etc. Violation Offense, which you cannot be sentenced to more than 15 days Misdemeanor A or B; can be sentenced 15-365 days Felony AI - E; can be sentenced in excess of 1 year Crime Misdemeanor or Felony Person Human being; public or private corp.; ...

Dram Shop Liability refers to: Liquor Law Liability. The insured has suffered a covered loss under his DP-3 dwelling form. He fails to protect the property from further loss. The additional loss that occurs as a result of his inactions may be denied because of what clause in the policy? Neglect. To be eligible for the New York assigned risk auto plan a person must: Hold a valid driver's license. Any insurance adjuster whose license has been revoked for cause will not be ...

Authority of the Auto Damage Appraiser Licensing Board (M.G.L. C. 26 Sec. 8G; 212 CMR 2.01) 2.01: Scope of Regulations (1) Purpose and Applicability. The purpose of 212 CMR 2.00 is to promote the public welfare and safety by improving the quality and economy of the appraisal and repair of damaged motor vehicles. Any licensed appraiser, individual or corporate entitywho employs licensed appraisers shall be bound by 212 CMR 2.00. 212 CMR 2.00 is intended to be read in conjunction with 211 ...

Ceding Insurer The insurer transferring the risk is called? Assuming insurer The insurer providing reinsurance to another insurance company is called? agent's contract with the principal because the principal grants authority to an agent through the agent's contract what documentation grants express authority to an agent? adhesion Insurance policies are not drawn up through negotiations, and an insured has little to say about its provisions. What contract characteristi...

All of the following are reasons that an adjuster should keep very detailed log notes, EXCEPT: To produce notes that will support a fraudulent denial of claims. . The adjuster's log notes are used to determine negligent parties, to assist in detecting fraud, to become a part of the claims file, and to be used in future proceedings. The log notes are not intended to produce a fraudulent record to deny a claim. When a homeowners policy has been in effect for 60 days in New York, an ins...

Physical damage coverage under a garage policy is a blanket limit for covered auto, an accurate statement? Yes; The dealer's physical damage limit would be done on a blanket limit basis. This would apply to comprehensive and collision losses to the auto inventory of the dealer. This is done because it is simply not practical to schedule each dealer owned vehicle for physical damage. This is generally accomplished by the use of a monthly reporting form. An insured owns a motorcycle, a mo...