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If an insured fails to comply with the immediate notice of claim requirement, which of the following could happen? The loss will be partially paid. The coverage could be denied. The premium will be returned. The policy will be cancelled. - Correct Answer The coverage could be denied On what date must an adjuster license be renewed? December 31 - even numbered years April 1st of every other year The license is continuous unless canceled or revoked January 1st every four years - Correct Answer December 31 - even numbered years What part of the exhaust system reduces the amount of pollution released into the environment? Muffler Tailpipe PCV valve Heat shield - Correct Answer PCV valve What is the first molding called on the outside of the vehicle under the window? Side body molding Edge panel Door decal Sill - Correct Answer Side body molding When performing an appraisal the vehicle should be inspected: From the rear to the front From the point of impact From the front to the rear None of the choices are correct - Correct Answer From the front to the rear Which of the following is NOT a duty of an auto appraiser? List unrelated damage to the vehicle Describe condition of the vehicle Identify betterment or depreciation Determine "loss of use" damages - Correct Answer Determine "loss of use" damages 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: 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 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 10 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? Controller Pump Speed Sensors Valves - Correct Answer Controller Payment may be made if which of the following procedures has been executed? A partial signed release A Walk-Away release A prima-facia signed release None of the answer choices is correct. - Correct Answer A Walk-Away release/The Walk-Away release indicates the final disposition of the matter and relinquishes the claimant's right to sue so payment may be issued. In some states the signing of the payment check indicates a Walk-Away release. In rear wheel drive cars and trucks, the engine turns: the transmission which is connected to a reduction gear via the driveshaft Which of the following are factors to consider when estimating a flooded vehicle? |. Type of water Il. Amount of time submerged Ill. Height of the flood IV. How quickly can repairs begin I, Il and Ill only Il, Ill and IV only I, Il, Il and IV I, Ill and IV only - Correct Answer I, II, II] and IV Determining the value of a damaged vehicle as to its replacement value or actual cash value it referred to as: Damage value Diminished value Loss valuation Market value - Correct Answer Loss valuation/This is called loss valuation. The insurer reserves the right to repair or replace the damaged vehicle. Which of the following would be considered a deceptive act on the part of an adjuster? Paying a claim based on a properly completed proof of loss. Denying an Uncovered Claim Refusing to complete a claim until the insured has paid his/her renewal premium. Paying a claim in a timely manner - Correct Answer Refusing to complete a claim until the insured has paid his/her renewal premium. Which one of the following is NOT included in a typical anti-lock brake system? Wheel speed sensors Anti-lock brake control module Bead Hydraulic actuator - Correct Answer Bead The plastic or metal component that helps protect the fan and channel air through the radiator is the fan: cover. housing. shroud. mask. - Correct Answer shroud The fuel float is located in the fuel: filter. pump. injector. tank. - Correct Answer tank A bent rim can be the result of: Curbing. Hitting potholes in the road. Impact in a motor vehicle accident planetary gearset planetary hydraulics planetary bearings and pistons a series of four gears sets - Correct Answer planetary gearset The part of an engine that supplies the fuel/air mixture to the cylinders is an: injector port. intake manifold. intake port. intake valve. - Correct Answer intake manifold Tempered safety glass has which of the following features? Tempered glass disintegrates upon impact into dull-edged pebbles Tempered glass is 5-10 times stronger than non-tempered of the same thickness Tempered glass is processed thru a special heating and quickly cooled process All of the responses are correct - Correct Answer All of the responses are correct All of the following are true regarding the emission control identification label, EXCEPT: The labels are considered part of the emission control system of the vehicle. The labels provide vacuum routing, connection and adjustment specifications according to the federal Clean Air Act. The labels are located on the inside of the grille assembly. The labels must be replaced when collision repair services require their removal or cause damage to the labels. - Correct Answer The labels are located on the inside of the grille assembly. Richard Lanham has been advised by the Superintendent of Insurance to cease and desist in the performance of certain infractions of the insurance code. He has had a hearing and been issued a cease and desist order. He continues to violate the cease and desist order. He can be fined a penalty of up to: $1,000 per violation $2,000 per violation $2,500 per violation $5,000 per violation - Correct Answer $5,000 per violation In New York the fingerprinting requirements for an adjuster license are: The right index finger only The left index finger only The right hand only Both hands - Correct Answer Both hands Which one of the following answer choices lists the components used in laminated safety glass? Two pieces of glass of equal thickness and a sheet of safety film A sheet of safety film and two pieces of tempered glass Two pieces of tempered glass and rubber caulking Two sheets of safety film and two pieces of tempered glass - Correct Answer Two pieces of glass of equal thickness and a sheet of safety film All of the responses are correct - Correct Answer Exhaust pipes, exhaust manifold, converter, muffler, tailpipe A person acting in a catastrophe or emergency situation and registered with the Superintendent for that purpose: Answer Choices: Select the Correct Answer Does not have to obtain an adjuster's license Must obtain an independent adjuster's license. May only adjust property losses. May only adjust casualty losses. - Correct Answer Does not have to obtain an adjuster's license Three of the following types of front lamps are found on ALL vehicles. Which one of these four is found only on SELECTED vehicles? Cornering Headlamps Turn signals Parking - Correct Answer Cornering Which one of the following components is NOT part of a unibody structure? Unirails Frame Radiator support Strut towers - Correct Answer Frame The auto appraiser considers the extent of damage, the size of the damaged area, and the appearance. Usually, if the repair cost exceeds of the cost to replace the part, replacement is appropriate. 50% 60% 15% 80% - Correct Answer 75% The unfair claim settlement laws and regulations in New York provide that a violation in each instance shall be treated as a separate violation. A fine in the amount of shall be made against the insurance company for each violation. $1,500 $2,000 $1,000 $500 - Correct Answer $500 If an auto appraiser uses the “actual cost" method to determine the value of a vehicle, 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 condition to or better than the motor vehicle being appraised The vehicle being appraised is simulator to the damaged vehicle in its pre- damaged condition - Correct Answer The salvage value of the damaged vehicle Use the most recent publication of an "Official Used Car Guide" If not listed in the "Guide," obtain quotations from automobile dealers - Correct Answer All of the responses could apply depending on the circumstances New York has been struck with a catastrophe and adjusters are desperately needed. The Superintendent of Insurance can issue a temporary adjuster permit in an emergency situation such as this for days. 30 90 60 120 - Correct Answer 120 The voltage for the engine's power stroke is delivered from the distributor to the cylinder by the: spark plugs. starter solenoid. battery. alternator. - Correct Answer spark plugs What component on power brakes uses the engine to create a vacuum, allowing the driver to press the brake with less force? Master cylinder Hydraulic actuator Pinion gear Power booster - Correct Answer Power booster Which one of the following components is NOT considered part of the fuel system? Exhaust manifold Intake manifold Air cleaner Fuel lines - Correct Answer Exhaust manifold A device which is used to minimize small property claims and helps to keep insurance premiums down is: A valued policy Insurable interest A deductible Coinsurance - Correct Answer A deductible Where is the driver's side air bag module located? In the steering wheel Above the glove compartment In the side window In the windshield - Correct Answer In the steering wheel The Superintendent of Insurance: |. Must be a resident of New York Il. Is appointed by the Governor III. Holds office at the pleasure of the governor IV. Must annually examine the books and records of insurers operating in New York 1, Il, Hand Iv I, Il and Ill only In auto physical damage insurance, which of the following would NOT be considered an insured peril for coverage to apply? Fire Wind Theft Road damage to tires - Correct Answer Road damage to tires What is the core of a car's engine? Cylinder Spark plugs Exhaust system Transmission - Correct Answer Cylinder A transaxle, half shafts and constant velocity joints are found in what type of drive train? Rear wheel Front wheel Integral Conventional - Correct Answer Front wheel Initially, carburetors were replaced with systems that incorporated electrically controlled fuel-injector valves into the: intake manifold fuel injection systems / intake manifold throttle body fuel injection systems / throttle body combustion chamber fuel injection systems / combustion chamber intake throttle body manifold / combustion chamber manifold - Correct Answer throttle body fuel injection systems / throttle body What are the four main components to an ABS system? Answer Choices: Select the Correct Answer Wiring, master cylinder, drum, sensor Brake shoes, hydraulics, filter and distributor Bearings, pistons, brake pad, rotor Speed sensor, pump, value and controller - Correct Answer Speed sensor, pump, value and controller The Fair Credit Reporting Act guarantees which of the following? Equitable insurance rates. Full disclosure of an insurer's financial condition The right of an applicant to any information about them in the files of any reporting agency. Full disclosure of all policy benefits. - Correct Answer The right of an applicant to any information about them in the files of any reporting agency. An insurance professional that is accused of dishonesty or breach of trust involving interstate commerce under USC 1033 will be prosecuted by: The New York State Attorney General The Attorney General in the presiding location of residence of the accused The U.S. Attorney general The New York State appellate court. - Correct Answer The U.S. Attorney general 
