New York State Auto Damage and Theft quiz 17-71
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
To allow fresh, clean air to pass through the crankcase
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.
1o days
If the 7th VIN is a number, then the vehicle was made prior to: 2000. 2005. 2010. 2012.
2010
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
A manual transmission is connected to the engine through the: Belt Differential Clutch Drive train
Clutch
In the four-stroke power cycle, what term describes the up motion of the piston? Compression stroke Intake stroke Power stroke Exhaust stroke
Compression stroke
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
The part of the suspension system that holds the wheel to the frame is: Answer Choices: Select the Correct Answer Ball Joint Control Arm Bushing Universal Joint
Control Arm
Which of the following is the computer in the vehicle? Controller Pump Speed Sensors Valves
Controller
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
Cornering
What is the core of a car's engine? Cylinder Spark plugs Exhaust system Transmission
Cylinder
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
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
Cylinder head and cylinders
A device used to expel exhaust gases from the engine is the: Answer Choices: Select the Correct Answer Exhaust port. PCV valve. Coil spring. Exhaust manifold.
Exhaust manifold
Which one of the following components is NOT considered part of the fuel system? Exhaust manifold Intake manifold Air cleaner Fuel lines
Exhaust manifold
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
An automobiles manifold connects to what part of the engine? Answer Choices: Select the Correct Answer Cooling system Crankcase Exhaust system Transmission housing
Exhaust system
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
Failed to acknowledge within reasonable time, communications with respect to claims
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 Answer Choices: Select the Correct Answer I, II, III and IV I, II and III only I, III and IV only I and II only
I, II and III only
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
Rocker panel
A pinion gear, rack, dust boots, and tie rods are all components of what type of steering system? Answer Choices: Select the Correct Answer Parallelogram Power I-beam Rack and pinion
Rack and pinion
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.
The three main objectives of the bumper cover are: Answer Choices: Select the Correct Answer Absorb shock, enhance appearance, protect paint Safety, support, appearance Increase aerodynamics, absorb all impacts, look stylish Protect shock absorbers, protect grille and motor
Safety, support, appearance
After an auto collision loss an insurance company may elect to pay the insured's claim and take possession of the vehicle. This practice is referred to as: Answer Choices: Select the Correct Answer Subrogation A deduction Salvage Warranty
Salvage
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.
Sensors
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
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
Which part of the starting system receives a large electric current from the battery and a small electrical current from the ignition switch? Answer Choices: Select the Correct Answer Starter Solenoid Starter drive Automotive computer chip
Solenoid
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
Speed sensor, pump, value and controller
What allows the steering wheel to change the direction the vehicle is traveling? Steering linkage Steering axis Steering knuckles Steering ratio gears
Steering linkage
What does "S" indicate on the appraisal report? Struts Structural components Sections to be painted Supply
Structural components
Deductions for betterment and/or depreciation are permitted only for parts: Answer Choices: Select the Correct Answer On vehicles over five years old. On vehicles with high mileage. Subject to repair and replacement during the use of the vehicle. Deductions are never permitted.
Subject to repair and replacement during the use of the vehicle
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
Subrogation
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
Suspend or revoke her license
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
Which of the following refers to the distance apart between the front of the wheels and tires in relationship to the back of the same wheels and tires? Answer Choices: Select the Correct Answer Caster Wheel toe Camber Thrust line
Wheel toe/ Explanation: This is referred to as the "wheel toe." Toe-in means that the wheels and tires are closer together at the front than they are at the back. Toe-out means that the wheels and tires are farther apart at the front.
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
When an attorney is retained to collect such recovery
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
The front passenger airbag is usually located: inside the door below the glove box above the glove box at the airbag sensor
above the glove box
Independent front and rear suspension systems: Answer Choices: Select the Correct Answer prevent the wheels from moving up and down on their own. are rarely used on passenger cars. connect both sides of the suspension to a single axle. allow each wheel to move up and down on its own.
allow each wheel to move up and down on its own
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.
$1,000
If an appraiser has to forfeit his bond in New York. The amount of the bond is: $500 $1000 $2000 $5000
$1000
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
The insurer is required to provide claim forms to the insured within ___ of being notified of the loss. Answer Choices: Select the Correct Answer 15 days 30 days 45 days 60 days
15 days
Question: If the New York Superintendent levies five civil penalties against a licensed person within five years, an additional civil penalty of up to ____ may be levied against the licensed person. Answer Choices: Select the Correct Answer $2,500. $5,000. $25,000. $50,000.
$50,000/ Explanation: In the event the Superintendent levies five separate civil penalties against any one person within five years, the Superintendent is authorized, after notice and hearing, to levy an additional civil penalty against such person in an amount not to exceed $50,000. A licensee may surrender his or her license in lieu of payment of any civil penalty imposed by the Superintendent.
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
$500
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/$3,000 $2,000/$5,500 $500/$2,500 $5,000/$10,000
$500/$2,500
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
10 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.
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
An appraiser has a hearing in another state where he holds a license. After a decision has been rendered in the other state, the appraiser must notify the state of New York within. Answer Choices: Select the Correct Answer 30 days 60 days 90 days 120 days
30 days
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%
75%
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.
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.
Under New York law, a Designated Representative (DR) of an insured is: A. The insured's broker of record 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
A and B
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
A deductible
Which of the following is not a method used by an appraiser in determining the value of a damaged vehicle? Answer Choices: Select the Correct Answer A five state average value method Guide source method Actual cost method Dealer quotation method
A five state average value method
Which roof support is attached to the front windshield? A pillar B pillar Headliner Filler strip
A pillar
What makes up the front body section in unibody designs? A. Radiator support 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
A, C, D and E only
When inspecting to the vehicle door, what else may need to be examined? Answer Choices: Select the Correct Answer The door skin. The window channel. The frame which the inner door panel and arm rest attach to. All of the answer choices will need to be examined
All of the answer choices will need to be examined
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
All of the responses are correct
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
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.
Allow an overlap of at least 3 inches between the repair and the existing panels
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
Which of the following is sometimes granted draft authority to pay small claims on behalf of an insurer? Answer Choices: Select the Correct Answer Attorneys representing the insured Public adjusters Appointed insurance agents Auto appraisers
Appointed insurance agents
In New York, how often may the Superintendent examine insurers doing business in the state? Answer Choices: Select the Correct Answer Once every 5 years. As often as he/she deems necessary. Every six months. Once every 3 years.
As often as he/she deems necessary
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
In the tire description P 225/75 B 14, what does the "B" represent? Answer Choices: Select the Correct Answer Bias Tire Radial Tire Semi-Pneumatic Tire Speed rating of the tire
Bias Tire
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
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
Bumpers that can absorb an impact speed of at least 2.5 mph.
What component turns rotary motion of the crankshaft into up and down motion? Camshaft Piston Cylinder Engine block
Camshaft
Which of the following refers to the forward or rearward tilt of the balljoints from a vertical position? Toe-in Camber Toe-out Caster
Caster
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
Catalytic converter malfunction
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 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
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. Follow the laws regarding the number of days in which to commence an investigation.
Deny the claim until a fair and prompt investigation has been completed
Vehicle damage appraisal has a set of standard terms. Which of the following is not one of those terms? Answer Choices: Select the Correct Answer Remove and install (R&I) Remove and replace (R&R) Depreciate and deduct (D&D) Overhaul (OH)
Depreciate and deduct (D&D)
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
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
In auto physical damage insurance, an insured peril cause of loss is known as: Direct loss Indirect loss Loss evaluation Consequential loss
Direct loss
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.
Does not have to obtain an adjuster's license
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
Which emissions control system component introduces small amounts of exhaust gas into the intake manifold, where it is combined with the regular fuel mixture and diluted? Answer Choices: Select the Correct Answer EGR valve Catalytic converter Vapor canister PCV valve
EGR valve
Which of the following is NOT the responsibility of the insured in an auto physical damage claim? Answer Choices: Select the Correct Answer Assist the adjuster in the mitigation of the claim by cooperating and providing known facts Provide records and other documentation that may be needed Notify the insurer promptly Employ the services of an appraiser
Employ the services of an appraiser
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
Engine compartment fuse panel
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)
Engine control unit (ECU)
Which one of the following components is NOT part of a unibody structure? Unirails Frame Radiator support Strut towers
Frame
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
A transaxle, half shafts and constant velocity joints are found in what type of drive train? Rear wheel Front wheel Integral Conventional
Front wheel
Which of the following results in immediate payment when the claimant signs a release relinquishing his or her right to sue? Answer Choices: Select the Correct Answer Scheduled Payment Release Full Release Settlement Advance Payment Structured Settlement
Full Release Settlement
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
Hatchback
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
Henry Jones wants to apply for a temporary adjuster's permit to act as an independent adjuster in New York. Which of the following is NOT true? Answer Choices: Select the Correct Answer He must pass an interim examination He must have had at least five years of adjusting experience as an employee of an insurance company He must hold a valid estimator's license from the Commissioner of Motor vehicles and has applied for an independent adjuster's license within 90-days of the expiration date of the estimators license He must not have been convicted of a felony
He must pass an interim examination
An air conditioning system changes the refrigerant to: Answer Choices: Select the Correct Answer Low pressure liquid Medium pressure liquid Low pressure gas High pressure liquid
High pressure liquid
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.
The New York Superintendent of Insurance may refuse to renew, suspend or revoke a license as a result of which of the following? 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.
I, II and III.
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
I, II, III and IV
Which one of the following is NOT part of the auto's charging system? Answer Choices: Select the Correct Answer Battery Voltage regulator Alternator Ignition coil
Ignition coil
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.
Immediately drive the car off of the railroad crossing and then call police.
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
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 Witnessed Provided in duplicate
Included with the application for license
In deciding what portion of a claim an insured would receive, what must be considered? Answer Choices: Select the Correct Answer Insurable Interest Abandonment Liberalization Subrogation
Insurable Interest
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
Is guilty of an unfair claims practice act
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
It helps with airflow into the engine
A cracked motor block will be indicated by: Answer Choices: Select the Correct Answer Car not starting Leaking engine coolant Engine sputters Fouled spark plugs
Leaking engine coolant
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
Left & right front pillars, left & right quarter posts, center pillars
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
Loss valuation/This is called loss valuation. The insurer reserves the right to repair or replace the damaged vehicle.
Which of the following has a coil spring attached to the shock absorber? Answer Choices: Select the Correct Answer Twin I-beam suspension SLA suspension Multi-link suspension MacPherson strut
MacPherson strut
What are the three most commonly used suspension systems? Independent, MacAphine, Chapman MacPherson, Chapman, Independent Independent, MacPherson, Stedman MacAphine, Independent, Chapman
MacPherson, Chapman, Independent
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 None of the responses are correct
None 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.
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
None of these are required to hold an adjuster license
What part of the exhaust system reduces the amount of pollution released into the environment? Muffler Tailpipe PCV valve Heat shield
PCV valve
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
Personal inspection
Which engine part moves up and down inside the cylinder? Piston Valve Connecting rod Crankshaft
Piston
What causes a car to burn and lose oil? Answer Choices: Select the Correct Answer Lack of gas Worn out oil pump Piston rings that do not seal the cylinder Lack of oil changes
Piston rings that do not seal the cylinder
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
Power booster
The Superintendent of Insurance believes a person has committed a violation or is engaging in a practice that could become a violation. The Superintendent believes a hearing is necessary. The hearing must be held within _____ days after the date the notice has been served. Answer Choices: Select the Correct Answer Ten Fifteen Twenty Thirty
Ten
In an automatic transmission, the clutch is replaced by: Answer Choices: Select the Correct Answer The Flywheel. The drive shaft. The Torque converter. The transaxle.
The Torque converter.
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.
The U.S. Attorney general
Which item listed below does not make up the components of a cooling system? Answer Choices: Select the Correct Answer The radiator The pressure cap and reserve tank The water pump The alternator
The alternator
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 bumper on a car is mounted to what part of the car? Answer Choices: Select the Correct Answer The chassis The car's reinforced panel The car's grill The car's impact zone
The chassis
The first number of the Vehicle Identification Number indicates: Answer Choices: Select the Correct Answer The model of the car. The country of origin. The year of the car. The plant code.
The country of origin
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.
The coverage could be denied
What is the name of the computer component that controls, monitors, and is the most powerful computer on most cars? Answer Choices: Select the Correct Answer The engine microprocessor (EM) The engine control unit (ECU) The catalytic converter processor (CCP) The digital-to-analog converters (DAC)
The engine control unit (ECU)
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
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
Following the payment of a claim, the salvaged property becomes the property of: Answer Choices: Select the Correct Answer The insured The insurer A third party salvage company contracted by the insured The State until sold and the proceeds deducted from the claim payment to the insured
The insurer
Following the payment of a claim, the salvaged property becomes the property of: Answer Choices: Select the Correct Answer The insured The insurer. A third party salvage company contracted by the insurer. The state
The insurer
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.
The labels are located on the inside of the grille assembly.
What name can be used in the issuance of an adjuster license? Answer Choices: Select the Correct Answer An assumed name A name of a business not approved by the Commissioner The licensee's own legal name A trademark with a slogan
The licensee's own legal name
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.
The right of an applicant to any information about them in the files of any reporting agency.
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
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.
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
To produce electrical current to the spark plug
What vehicle part keeps the window glass from falling to the bottom of the door? Answer Choices: Select the Correct Answer Track channels and stop block Power windows channels block Stop block channels Window regulator, track channel
Track channels and stop block
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
Transaxle
Which part of the fuel system allows the fuel into the engine cylinders? Answer Choices: Select the Correct Answer Transistor Solenoid ECU Injector
Transistor / A transistor turns the injector on by completing a circuit to allow an electric current to flow through a solenoid in the injector.
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
Which of the following is an auto body type? Unibody V-frame Conventional partial frame Variable mini frame
Unibody
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
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
Which one of the following is considered part of the cowl? Answer Choices: Select the Correct Answer Vent panel Quarter panel Grille Fender
Vent panel
The cowl, quarter panels, pillars, rocker panels, and roof are all a part of an auto's: Answer Choices: Select the Correct Answer front end. front end sheet metal. body. mechanical system.
body
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
The cowl is part of the vehicle body between: Answer Choices: Select the Correct Answer the front and rear fenders the cross members and the frame rails the front valance and steering wheel engine firewall and dash panel
engine firewall and dash panel
The thin, horizontal baffles that separate the tubes within the radiator core are called: fins. insulation. tubules. tie bars.
fins
The fabric- or cardboard-like lining that covers the inner roof panel and roof bows is called the: Answer Choices: Select the Correct Answer headliner. scalp molding. insulator pad. vibration damper.
headliner
The sound-deadening panel that is sometimes attached to the inner hood panel is the: Answer Choices: Select the Correct Answer headliner. muffler. insulator pad. vibration damper.
headliner
The part of an engine that supplies the fuel/air mixture to the cylinders is an: injector port. intake manifold. intake port. intake valve.
intake manifold
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 creates the different gear ratios in an automatic transmission? planetary gearset planetary hydraulics planetary bearings and pistons a series of four gears sets
planetary gearset
Engine heat is absorbed by coolant mixture in the cooling system and dissipated as it travels through the: water pump. radiator. fan. oil pan.
radiator
There are two main types of control for multi-port systems. The fuel injectors can all open at the same time, or each one can open just before the intake valve for its cylinder opens. What is this called? Answer Choices: Select the Correct Answer throttle body fuel injection sequential multi-port fuel injection central fuel injection carburetor spray injection
sequential multi-port fuel injection
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 voltage for the engine's power stroke is delivered from the distributor to the cylinder by the: spark plugs. starter solenoid. battery. alternator.
spark plugs
The fuel float is located in the fuel: filter. pump. injector. tank.
tank
What feeds the transmission cooler and torque converter in an automatic transmission? Answer Choices: Select the Correct Answer the governor the gear pump the sump pump the water pump
the gear pump / Explanation: Located in the cover of the transmission, the gear pump feeds the transmission cooler and the torque converter. It also draws fluid from a sump in the bottom of the transmission and feeds it to the hydraulic system.
When inspecting the point of impact on a damaged vehicle, rust would indicate: Answer Choices: Select the Correct Answer the extent of the impact. the condition of the vehicle. the possibility of existing prior damage. defective construction methods.
the possibility of existing prior damage
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
throttle body fuel injection systems / throttle body
In an automatic transmission, the clutch is replaced with a: differential. torque converter. master cylinder. power booster.
torque converter
An automobile that has its substructure built into the front end and body panels of the vehicle is called a: Answer Choices: Select the Correct Answer shell vehicle. channel vehicle. conventional frame vehicle. unibody vehicle.
unibody vehicle
The linkage between the camshaft and the valves is commonly known as the: piston. crankshaft. valve train. cylinder.
valve train
In a manual transmission, how does the collar engage a gear? with magnets with dog teeth with hydraulics with belts
with dog teeth
