Download New York State Auto Damage and Theft Quiz 17-71 with 100% Correct Answers 2024 and more Exams Law in PDF only on Docsity!
New York State Auto Damage and Theft
Quiz 17- 71 with 100% Correct Answers |
Latest Version 2024 | Verified
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 - ✔✔Consequential 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 - ✔✔The frame rails In auto physical damage insurance, an insured peril cause of loss is known as: Direct loss Indirect loss Loss evaluation Consequential loss - ✔✔Direct loss If an appraiser has to forfeit his bond in New York. The amount of the bond is:
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. - ✔✔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 - ✔✔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.
The coverage could be denied. The premium will be returned. The policy will be cancelled. - ✔✔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 - ✔✔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 - ✔✔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 - ✔✔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 - ✔✔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 - ✔✔Determine "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 - ✔✔a 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:
- ✔✔ 2010 What component turns rotary motion of the crankshaft into up and down motion? Camshaft
Market value - ✔✔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 - ✔✔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 - ✔✔Bead The plastic or metal component that helps protect the fan and channel air through the radiator is the fan: cover. housing. shroud. mask. - ✔✔shroud The fuel float is located in the fuel: filter. pump.
injector. tank. - ✔✔tank A bent rim can be the result of: Curbing. Hitting potholes in the road. Impact in a motor vehicle accident All of the answer choices are correct - ✔✔All of the answer choices are correct An automobile that has a separate substructure to which the various front end, body and mechanical parts of the vehicle are bolted is called a: unitized vehicle. channel vehicle. conventional frame vehicle. unibody. - ✔✔conventional frame vehicle What is the purpose of the New York automobile inspection requirement? Serves as a safety inspection A licensing requirement To check for stolen vehicles To determine prior damage to the vehicle - ✔✔To 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
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. - ✔✔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 - ✔✔$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 - ✔✔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 - ✔✔Two 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. - ✔✔overlap 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 - ✔✔Determines 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 - ✔✔Cylinder and cylinder head The exhaust system consists of which of the following? Exhaust pipes, exhaust tubing, muffler, converter, end cap Exhaust pipes, exhaust manifold, converter, muffler, tailpipe Exhaust manifold, converter, exhaust pipes, and end brace All of the responses are correct - ✔✔Exhaust pipes, exhaust manifold, converter, muffler, tailpipe
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, $2, $1, $500 - ✔✔$ 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 - ✔✔The 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 - ✔✔Having been convicted of a felony Which roof support is attached to the front windshield?
A pillar B pillar Headliner Filler strip - ✔✔A 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. - ✔✔$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 - ✔✔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 - ✔✔ 120
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 - ✔✔In 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 I, II, III and IV I, II and III only I, III and IV only I and II only - ✔✔I, II and III only/The Superintendent must be a citizen and resident of this state and is appointed by the governor, by and with the advice and consent of the senate, and holds office at the pleasure of the governor. He or she must examine insurers operating in New York every five years. What does "S" indicate on the appraisal report? Struts Structural components Sections to be painted Supply - ✔✔Structural components What allows the steering wheel to change the direction the vehicle is traveling? Steering linkage Steering axis
Steering knuckles Steering ratio gears - ✔✔Steering linkage The New York Superintendent of Insurance is: Elected by the citizens of New York. Elected by the state legislature. Appointed by the governor. Appointed by the state legislature. - ✔✔Appointed by the governor 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 - ✔✔Road damage to tires What is the core of a car's engine? Cylinder Spark plugs Exhaust system Transmission - ✔✔Cylinder A transaxle, half shafts and constant velocity joints are found in what type of drive train? Rear wheel Front wheel
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. - ✔✔The 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 - ✔✔Decreases auto's noxious emissions Which engine part lets air and fuel in and exhaust out of the engine? Answer Choices: Select the Correct Answer Piston rings Valves Crankshaft Piston - ✔✔Valves 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 - ✔✔$500/$2,
Which engine part moves up and down inside the cylinder? Piston Valve Connecting rod Crankshaft - ✔✔Piston 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 - ✔✔Uninterested 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 - ✔✔Six 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 - ✔✔Drive shaft
