Download NEW YORK STATE AUTO DAMAGE AND THEFT QUIZ 17-71 EXAM STUDY GUIDE 2024/2025 and more Exams Engineering in PDF only on Docsity!
THEFT QUIZ 17-71 EXAM STUDY GUIDE
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. The burden of proof that a covered loss has occurred is normally a duty of:
THEFT QUIZ 17-71 EXAM STUDY GUIDE
The insurance company The adjuster The appraiser The insured - ansThe 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. - ans1o days The linkage between the camshaft and the valves is commonly known as the:
piston. crankshaft. valve train. cylinder. - ansvalve train Which of the following is the computer in the vehicle?
Controller Pump Speed Sensors Valves - ansController 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. - ansA 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. 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. - ansThe coverage could be denied
THEFT QUIZ 17-71 EXAM STUDY GUIDE
- 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.
THEFT QUIZ 17-71 EXAM STUDY GUIDE
Paying a claim in a timely manner - ansRefusing 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 - ansBead The plastic or metal component that helps protect the fan and channel air through the radiator is the fan:
cover. housing. shroud. mask. - ansshroud The fuel float is located in the fuel:
filter. pump. injector. tank. - anstank 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 - ansAll 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. - ansconventional 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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
$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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
Exhaust pipes, exhaust manifold, converter, muffler, tailpipe Exhaust manifold, converter, exhaust pipes, and end brace All of the responses are correct - ansExhaust 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. - ansDoes 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 - ansCornering Which one of the following components is NOT part of a unibody structure?
Unirails Frame Radiator support Strut towers - ansFrame 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% 75% 80% - ans75% 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, $500 - ans$
THEFT QUIZ 17-71 EXAM STUDY GUIDE
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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
I, II, III and IV I, II and III only I, III and IV only I and II only - ansI, 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 - ansStructural components What allows the steering wheel to change the direction the vehicle is traveling?
Steering linkage Steering axis Steering knuckles Steering ratio gears - ansSteering 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. - ansAppointed 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 - ansRoad damage to tires What is the core of a car's engine?
Cylinder Spark plugs Exhaust system Transmission - ansCylinder A transaxle, half shafts and constant velocity joints are found in what type of drive train?
THEFT QUIZ 17-71 EXAM STUDY GUIDE
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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
Which of the following individuals are not required to secure an adjuster license in New York?
A licensed New York attorney An officer of an authorized insurer None of these are required to hold an adjuster license A licensed agent of an authorized insurer who adjusts losses as long as the agent receives no compensation in excess of $50.00 per loss adjusted - ansNone of these are required to hold an adjuster license In the four-stroke power cycle, what term describes the up motion of the piston?
Compression stroke Intake stroke Power stroke Exhaust stroke - ansCompression stroke 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 According to the Federal Motor Vehicle Safety Standard, a vehicle with front end damage requires the repair to include:
Bumpers that can absorb an impact speed of at least 2.5 mph. Bumpers that can absorb an impact speed of at least 5 mph with no more then a 3/8 inch dent or 3/4 inch displacement from the original position. Full replacement of the front end if the speed at the time of the impact was over 5 mph. All of the answer choices are correct - ansBumpers that can absorb an impact speed of at least 2.5 mph. The thin, horizontal baffles that separate the tubes within the radiator core are called:
fins. insulation. tubules. tie bars. - ansfins The roof panel is supported by which of the following?
Right front pillar, left front pillar, center cowl, posts Right front pillar, left front pillar, posts, sheet panel Right front pillar, left front pillar, center mouldings, post spoiler
THEFT QUIZ 17-71 EXAM STUDY GUIDE
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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
B. The intended repair shop of the insured C. The insured's son
A, B and C B and C A only A and B - ansA and B Diane is fined by the Superintendent for a violation of the insurance law of New York. The fine is not paid within 20 days. What action may the Superintendent take? Put Diane in prison Suspend or revoke her license Add an additional fine Ask her to reapply for a license and double the fees - ansSuspend or revoke her license Which of the following is an auto body type? Unibody V-frame Conventional partial frame Variable mini frame - ansUnibody Engine heat is absorbed by coolant mixture in the cooling system and dissipated as it travels through the: water pump. radiator. fan. oil pan. - ansradiator What is the purpose of the PCV valve?
To allow the proper amount of fuel to pass through the carburetor To allow the proper amount of anti-freeze into the cooling system To allow fresh, clean air to pass through the crankcase It regulates and cleans the brake fluid in the braking system - ansTo allow fresh, clean air to pass through the crankcase What is the primary purpose of the automobile ignition coil?
It holds the electrical charge from the battery to the alternator It generates small amounts of electrical current to the alternator To allow the engine to start when starting your car To produce electrical current to the spark plug - ansTo produce electrical current to the spark plug The New York Superintendent of Insurance may refuse to renew, suspend or revoke a license as a result of which of the following?
THEFT QUIZ 17-71 EXAM STUDY GUIDE
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
THEFT QUIZ 17-71 EXAM STUDY GUIDE
Witnessed Provided in duplicate - ansIncluded with the application for license What is the part of the vehicle called that is located under a car's door and between the wheels?
Answer Choices: Select the Correct Answer Rocker panel Side molding Undercarriage Rocker arm - ansRocker panel The roof of a vehicle is supported by which of the following?
Answer Choices: Select the Correct Answer Right & left front pillars, left & right quarter wings, center posts Left & right front pillars, left & right quarter posts, center pillars Left & right rear pillars, center pillars, posts Right & left rear posts, center post, right wing - ansLeft & right front pillars, left & right quarter posts, center pillars In front wheel drive cars, what component combines the differential and transmission into a single part?
Answer Choices: Select the Correct Answer Torque converter Transaxle Bell housing Constant velocity joint - ansTransaxle The parts of the computer system designed to monitor the activities of the engine are called:
Answer Choices: Select the Correct Answer Actuators. Sensors. Computers. Analyzers. - ansSensors States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a claimant, an adjuster must not:
Answer Choices: Select the Correct Answer Promptly investigate the claim. Pay the claim within a reasonable number of days after the final proof of loss has been received. Deny the claim until a fair and prompt investigation has been completed.
