Download NEW YORK STATE AUTO DAMAGE AND THEFT QUIZ 17-71 EXAM STUDY GUIDE 2024/2025 and more Exams Automobile Engineering in PDF only on Docsity!
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THEFT QUIZ 17 - 71 EXAM STUDY
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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 - ansConsequential 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 The frame rails - ansThe frame rails In auto physical damage insurance, an insured peril cause of loss is known as:
Direct loss Indirect loss Loss evaluation Consequential loss - ansDirect loss If an appraiser has to forfeit his bond in New York. The amount of the bond is:
$ $ $ $5000 - ans$ Which of the following is NOT a true statement regarding auto appraisers?
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. - ansThe 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.
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The burden of proof that a covered loss has occurred is normally a duty of:
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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 - ansDecember 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 - ansPCV valve What is the first molding called on the outside of the vehicle under the window?
Side body molding Edge panel Door decal Sill - ansSide 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 - ansFrom 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 - ansDetermine "loss of use" damages In rear wheel drive cars and trucks, the engine turns:
the transmission which is connected to a reduction gear via the driveshaft a driveshaft which transmit rotational force to a drive axle at the rear of the vehicle the transaxle with a differential and universal joints between the wheels and creates constant velocity None of the responses are correct - ansa driveshaft which transmit rotational force to a drive axle at the rear of the vehicle If the 7th VIN is a number, then the vehicle was made prior to:
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- ans What component turns rotary motion of the crankshaft into up and down motion?
Camshaft Piston Cylinder Engine block - ansCamshaft Appraisers may secure or use repair estimates that have been obtained by the use of:
Telephone calls Photographs Personal inspection All of the responses are correct - ansPersonal inspection Which of the following are factors to consider when estimating a flooded vehicle?
I. Type of water II. Amount of time submerged III. Height of the flood IV. How quickly can repairs begin
I, II and III only II, III and IV only I, II, III and IV I, III and IV only - ansI, II, III 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 - ansLoss 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.
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To determine prior damage to the vehicle - ansTo determine prior damage to the vehicle/The purpose of the New York automobile inspection requirement is to determine if there was prior damage to the vehicle at the time coverage was put into effect. The front passenger airbag is usually located:
inside the door below the glove box above the glove box at the airbag sensor - ansabove the glove box What creates the different gear ratios in an automatic transmission?
planetary gearset planetary hydraulics planetary bearings and pistons a series of four gears sets - ansplanetary 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. - ansintake 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 - ansAll 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. - ansThe 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:
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$1,000 per violation $2,000 per violation $2,500 per violation $5,000 per violation - ans$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 - ansBoth 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 - ansTwo pieces of glass of equal thickness and a sheet of safety film When two panels of a vehicle need to be painted because an accident, the duplicated labor is referred to as:
cover charge. dual charge. overlap. overlay. - ansoverlap What is the relationship of the appraiser to adjusters?
Assists in the adjustment of a claim with the claimant The first contact person with the insured or claimant Determines the value of the damaged property Establishes the facts of the loss and the value of the claim - ansDetermines the value of the damaged property What two parts of the engine cause combustion?
Cylinder and cylinder head Engine block and cylinder Ignition system and exhaust manifold Coil and carburetor - ansCylinder and cylinder head The exhaust system consists of which of the following?
Exhaust pipes, exhaust tubing, muffler, converter, end cap
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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 - ansThe salvage value of the damaged vehicle An adjuster's license will usually be revoked for which of the following?
Denying claims that are not covered Having been convicted of a felony Failing to report a change of address Having been convicted of a misdemeanor - ansHaving been convicted of a felony Which roof support is attached to the front windshield?
A pillar B pillar Headliner Filler strip - ansA pillar What is the amount of bond that must be posted with the state of New York to obtain an adjuster's license?
$1,000. $5,000. $2,000. $7,500. - ans$1, Question: In the case of a total vehicle loss, the adjuster will pay the insured which of the following?
All of the responses could apply depending on the circumstances The cost to replace the vehicle with like kind and quality if a current year model Use the most recent publication of an "Official Used Car Guide" If not listed in the "Guide," obtain quotations from automobile dealers - ansAll 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.
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120 - ans The voltage for the engine's power stroke is delivered from the distributor to the cylinder by the:
spark plugs. starter solenoid. battery. alternator. - ansspark 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 - ansPower booster Which one of the following components is NOT considered part of the fuel system?
Exhaust manifold Intake manifold Air cleaner Fuel lines - ansExhaust 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 - ansA 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 - ansIn the steering wheel The Superintendent of Insurance: I. Must be a resident of New York II. 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
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Rear wheel Front wheel Integral Conventional - ansFront 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 - ansthrottle 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 - ansSpeed 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. - ansThe 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. - ansThe U.S. Attorney general What is the purpose of the EGR valve?
Increases horsepower Controls brake fluid pressure Decreases auto's noxious emissions Controls cruise control speeds - ansDecreases auto's noxious emissions Which engine part lets air and fuel in and exhaust out of the engine?
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Answer Choices: Select the Correct Answer Piston rings Valves Crankshaft Piston - ansValves Instead of revoking an adjuster's license because of a violation, the Superintendent of Insurance may invoke a penalty of up to for each offense up to an aggregate penalty of for all offenses.
$1,000/$3, $2,000/$5, $500/$2, $5,000/$10,000 - ans$500/$2, Which engine part moves up and down inside the cylinder?
Piston Valve Connecting rod Crankshaft - ansPiston A claim has entered appraisal and the two appraisers cannot agree on the choice of an umpire. The court will appoint an umpire who is:
Interested an impartial Uninterested and impartial Interested and partial Uninterested and partial - ansUninterested and impartial In New York, insurers must maintain a complaint record for calendar years after all elements of the complaint are resolved and the claim file is closed.
Four Seven Six Five - ansSix What do we call the part in a rear wheel drive vehicle that sends power to the differential?
Drive shaft Drive train Connecting Rod Camshaft - ansDrive shaft
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None of the responses are correct - ansNone of the responses are correct. Some modern vehicles combine the roof structure and the rear fender or quarter panel into one part, which includes multiple grades of steel thickness. An adjuster commits an act of insurance fraud addressed by the Federal Insurance Fraud Act. The fraud does not affect the financial stability of the company. What is the maximum time the adjuster may be confined to prison?
5 years 10 years 6 months 30 days - ans10 years This type of offense carries up to a 10 year sentence. The sentence is increased to 15 years if it affects the financial stability of the insurer. What component combines the deck lid and stationary back glass into a single assembly that lifts up like a deck lid?
Fender Hatchback Tail panel Sail panel - ansHatchback An insurance company would be guilty of an Unfair Claim Practice violation if it:
Pay claims quickly to avoid law suits Failed to acknowledge within reasonable time, communications with respect to claims Failed to pay an uncovered claim Terminated an appraiser for filing fraudulent claims - ansFailed to acknowledge within reasonable time, communications with respect to claims What are the three most commonly used suspension systems?
Independent, MacAphine, Chapman MacPherson, Chapman, Independent Independent, MacPherson, Stedman MacAphine, Independent, Chapman - ansMacPherson, Chapman, Independent After paying a claim an insurance company may have the right to pursue legal action against the negligent party. What is this called?
Assignment Subrogation Other Insurance Action against the Company - ansSubrogation
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A manual transmission is connected to the engine through the:
Belt Differential Clutch Drive train - ansClutch Which is true regarding the blending process when repainting a damaged vehicle?
Allow an overlap of at least 3 inches between the repair and the existing panels. Mask the entire vehicle before beginning the process. Applying clear coat to the newly painted area is optional. Wait at least 15 minutes after applying paint to the area to begin the blending process. - ansAllow an overlap of at least 3 inches between the repair and the existing panels In an automatic transmission, the clutch is replaced with a: differential. torque converter. master cylinder. power booster. - anstorque converter In a manual transmission, how does the collar engage a gear? with magnets with dog teeth with hydraulics with belts - answith dog teeth Which of the following refers to the forward or rearward tilt of the balljoints from a vertical position?
Toe-in Camber Toe-out Caster - ansCaster An insured is involved in an accident with another vehicle at a railroad crossing. The insured's car is drivable. What should the insured do?
Leave the car on the railroad tracks and go get help. Immediately drive the car off of the railroad crossing and then call police. Do not move the vehicle until police arrive. Remain with the vehicle at all times. - ansImmediately drive the car off of the railroad crossing and then call police. Under New York law, a Designated Representative (DR) of an insured is: A. The insured's broker of record
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I. A violation of any provision of the New York Insurance Code. II. An adjuster making a material misstatement in application for license. III. An adjuster being found guilty of fraud or dishonest practices.
I and II only. I, II and III. I and III only. II and III only. - ansI, II and III. Which one of the following answer choices list the two components that form the engine's combustion chamber?
Cylinder head and cylinders Engine block and oil pan Cylinder head and valve cover Cylinders and engine block - ansCylinder head and cylinders In a process called closed loop control, oxygen sensors monitor the amount of oxygen in the exhaust and report to this module, which uses the information to adjust the air-to-fuel ratio in real-time. What is the name of the module?
Engine control unit (ECU) Transmission control unit (TCU) Oxygen control unit (OCU) Manifold control unit (MCU) - ansEngine control unit (ECU) In a front end collision with corresponding bumper damage, all of the following may also need removed, EXCEPT:
Headlamps Fog lamps Grille assembly Engine compartment fuse panel - ansEngine compartment fuse panel What is the purpose of a cowl hood?
It has no purpose other than looks It protects the vehicle in an accident It helps with the aerodynamics of a car or truck It helps with airflow into the engine - ansIt helps with airflow into the engine What makes up the front body section in unibody designs?
A. Radiator support
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B. Hood C. Upper rail D. Lower rail E. Apron assembly
A, B, C, D and E B, C, D and E only A, C, D and E only A, C and D only - ansA, C, D and E only An automobile is polluting the environment. What engine component could be the primary cause?
Answer Choices: Select the Correct Answer PCV value plugged Catalytic converter malfunction A worn out muffler A cracked value cover - ansCatalytic converter malfunction Insurers must include the insured's deductible, if any, in subrogation demands. No deduction can be made from the deductible recovery, except:
Answer Choices: Select the Correct Answer When an attorney is retained to collect such recovery No deductions are permitted When the deducible amount is subject to arbitration When there is a question of coverage - ansWhen an attorney is retained to collect such recovery An insured has suffered a covered collision loss to her vehicle. The insurer has insisted that the insured have the vehicle repaired at a repair shop of the company's choice. The insurer:
Answer Choices: Select the Correct Answer Can make this request Is guilty of an unfair claims practice act Waives the deductible, if any, in this case Can usually get the work done for less and can help to reduce insurance costs - ansIs guilty of an unfair claims practice act An applicant for an adjuster's license must be approved by five reputable citizens of the community where the adjuster resides. This documentation must be:
Answer Choices: Select the Correct Answer Notarized Included with the application for license
