appraisers test guide

Term
1 / 135
How can Direct Repair programs can be beneficial to insurers?
Click the card to flip 👆
Terms in this set (135)
How can Direct Repair programs can be beneficial to insurers?
Help control settlement costs
The MacPherson strut suspension is more streamlined than the Double Wishbone design because it doesn't have:
an upper control arm.
A thermal expansion valve:
controls the pressure and flow of cold, liquid refrigerant to the evaporator.
A vehicle hood:
is designed to crumple in a crash.
When refinishing a repaired right fender, what else may need to be done?
Paint blending on the hood and right front door.
You're writing an estimate for a vehicle with a damaged fender on the passenger side. In addition to the cost to repair the damaged fender, what else might you need to include in your estimate?
Refinish the fender and blend the hood, bumper, and door.
A technician may use which of the following to repair a dent or small tear in a plastic bumper cover?
Plastic welding and heat
A resident Connecticut auto appraiser, who received his appraiser license on December 20th, 2014 would need to renew his license by:
the last day of June 2015
This vehicle part provides the hydraulic power used in power steering.
Rotary vane pump
When can damage to a tire sidewall be repaired?
never
A pitman arm is used in the ________ steering system.Recirculating ballUnibody vehicles typically have what kind of suspension?MacPherson strutsIn Connecticut, a person that violates a cease and desist order from the Commissioner may, after notice of hearing, be assessed a monetary penalty of up to __________ for each violation.$50,000"Constructive total loss" refers to:when the cost to repair and/or salvage the vehicle is equal to or greater than the value of the vehicle when the loss occurred.This vehicle body type is characterized by a top-hinged rear door that incorporates the rear window.hatchbackA vehicle's rocker panels:Provide support to keep the vehicle from sagging in the middle.What part of the vehicle is designed to allow air-flow to the radiator?grilleDamaged vehicles that can be used for parts are usually:under ten years old.A turbocharger:directs exhaust fumes against a turbine that runs an air compressor which forces more fuel/air mixture into the engine.What is the term for the rubber seal on a car door?WeatherstrippingWhich of the following best describes the function of a clutch plate?It transfers the spinning motion of the crankshaft flywheel to the transmission through direct pressure.Which position in a VIN would tell you which plant manufactured the vehicle?11thWhat is the purpose of anti-steering laws?To protect policyholders' rights to choose their own repair shop.During wheel alignment, a technician will normally check...toe, caster, camberIn this type of vehicle construction, the frame, pillars, rocker panels, and quarter panels form a single unit.unibodyIf a claim is legitimate, the settlement amount is clear, and the claimant has provided proof of loss, the insurer must:pay the settlement promptly.Why might a damage repair supplement be needed?Because indirect damage may not be visible until a repair beginsCar fires that begin in the passenger compartment are often caused by:electrical short-circuit.The alternator is responsible for:recharging the car battery.If an appraiser licensee feels that the administrative penalties of the Commissioner of Insurance are unfair or unlawful, they can appeal to:the judicial district of New BritainWhen an insurance company declares a damaged vehicle a total loss, what are the two ways it might settle the claim?Either with a cash settlement, or by replacing the damaged vehicleA gear that moves along the teeth of a perpendicular metal rod describes what type of steering system?Rack and pinionA vehicle's electrical system is grounded by the:FrameThe _________ is a mini radiator typically located in front of the main radiator.A/C condenserWhere is a vehicle's transaxle typically located?Between the engine and a drive shaft leading to a front wheel assemblyNon-resident appraisers wishing to become licensed appraisers in Connecticut:do not need to take the written or practical exam.An engine's thermostat:is a valve that opens and closes to compensate for vehicle speed and outside air temperature.The top of the pistons and the engine head form the:Combustion chambers.In an insurance policy, where might one find the make and model of the covered vehicle?DeclarationsIn Connecticut, a claimant may sue an insurer to recover damages:within 24 months of when the loss occurred.The biggest part of the engine, that has no moving parts of its own, is called the:BlocKAn appraiser would use the Kelley Blue Book to:determine a damaged vehicle's ACV.best describes how a vehicle moves?The drivetrain transfers the spinning motion of the crankshaft to the wheels.In this type of vehicle construction, the frame, pillars, rocker panels, and quarter panels form a single unit.UnibodyThe upper radiator hose:Carries hot coolant from the engine to the radiator.A pitman arm is used in the ________ steering system.Recirculating ballA vehicle's water pump:circulates coolant through the cooling system.Upon the discovery that a person has been involved in an unfair claim practice or behavior, the Commissioner will issue a notice of charges and request a hearing, giving the charged person notice of _________________ prior to the hearing.at least 30 daysIn a vehicle with rack-and-pinion power steering, a torsion bar connects the pinion to the:Steering shaft.What would be the typical cause of a melted fuse in a vehicle?The electric current in that circuit was too strong.The ___________ suspension system is typically found in unibody vehicle construction.MacPherson strutWhich of the following best describes the rough-pull process for repairing a vehicle frame with sway damage?Laterally pull the side frame member that sustained the direct damage in the opposite direction of the impact.When settling a total loss with a cash settlement, the insurer must include:any sales tax the insured will have to pay when purchasing another vehicle.Which of the following vehicle body types typically has a higher ride height for increased ground clearance?SUVWhAT best describes the function of a catalytic converter?It converts toxic exhaust fumes into relatively harmless gases.While inspecting a vehicle that was damaged in a collision, the appraiser notices rust around the point of impact. What does this indicate to the appraiser?This may be existing prior damage.A personal auto policy will not indemnify a policyholder for:punitive damages.Front-wheel drive vehicles typically have what kind of suspension?MacPherson strutAn insurer may cancel a policy for non-payment of premiums:after notifying the insured by mail at least 10 days in advance.The PCV valve is responsible for:Directing exhaust fumes from the crankcase back to the engine to be re-burned.An engine burns fuel to run. This process takes place in the:Combustion chambersWith regards to depreciation, how would an appraiser calculate a vehicle's ACV?Subtract the depreciation from the replacement costAfter the arbitration hearing, the arbitrator will issue his binding decision within how many days?15 daysYou are writing an appraisal for a pick-up damaged in a collision. The pick-up's steel wheels and hubcaps were scraped in the collision. How would you account for this damage on the appraisal?Repaint the wheels and replace the hubcapsBucket seats with an extra piece in front that helps to prevent someone from sliding forward and under a seat belt are called?Anti-submarine seatsHow much labor time would you include in an appraisal for the replacement of a damaged bumper on a typical, mid-range vehicle?2 hoursOverhaul (O) refers to:completely taking apart an assembly in order to replace damaged parts and then putting it back together again.A vehicle's Supplemental Restraint System refers to the:airbagsThe cowl is attached to the:A/hinge pillarIf a repair estimate includes aftermarket parts,It must include a written notice that it based on the use of replacement parts not made by the original vehicle manufacturer.A vehicle's Primary Restraint System refers to the:Seatbelts.Most hoods include a/an ___________ attached to the inner hood panel to dampen engine noise.insulator padA "current model car" is:the newest available model of a given car.When a driver turns the ignition switch, she sends electric current to the _______, an electromagnetic switch that acts as a gate between the starter motor and the ignition key.starter solenoidTo which of the following areas would chip guard typically be applied?Rocker panelsIf the front of the tire is angled away from the center of the vehicle, this is considered to be:Toe-out.A pinion gear on the starter motor meshes with the gears of the _________ to start the engine.flywheelThis part is responsible for raising and lowering the door windows in an automobile.Window regulatorA technician is TIG welding a replacement section to a damaged rocker panel. Which of the following best describes this process?It involves the use of a welding gun with a nonconsumable tungsten wire electrode that produces an electric arc between the wire and base metal, causing the metal to melt and join, and a separate filler rod fed into the weld puddle.In a vehicle with a manual transmission, the spinning force of the crankshaft flywheel is transferred to the transmission by way of pressure on the:Clutch plate.In a disc brake system, ______ push the brake pads against the rotors.pistonsThis part of a vehicle is designed to prevent the passengers from being directly injured by the engine in a front-end collision.FirewallIf an individual is found to have adjusted claims in Connecticut without a license, the Commissioner can impose a fine of:up to $2500 and 2 years in prisonThe starter solenoid:is an electromagnetic switch that acts as a gate between the starter motor and the ignition key.The first three positions of the VIN are known as the:World Manufacturer Identifier.When calculating the value of a vehicle that has been declared a constructive total loss, the insurer's estimate may not be lower than:the average of two values according to the NADA used car guide and another auto industry source approved by the Commissioner."Insured property" is:property specified in the declarations page of an insurance policy for which the insured has purchased coverage.What type of fuel injection system includes a high-pressure fuel pump and an injector inserted into each combustion chamber?Direct fuel injectionBucket seats with an extra piece in front that helps to prevent someone from sliding forward and under a seat belt are called?Anti-submarine seatsWhat is the proper pulling sequence for a unibody vehicle?Length, width, heightHow much is the application fee for the state license exam?$130How much is the state license renewal fee?$80What is the Principle of Indemnity?The principle of indemnity states that when a loss occurs, the insured should be restored to his approximate financial condition before the loss - no better, no worse.What is a PHYSICAL hazard?phyical conditions that increase chance of lossWhat is an example of PHYSICAL hazard?pothole in the roadWhat is a MORAL hazard?occurs when an insured person consciously acts in a way that is more likely to result in a lossWhat is an example of a MORAL hazard?a man chose to leave his car in an unsafe neighborhood, unlocked, with the key in the ignition, hoping that it will get stolen so he can get an insurance payment for it.What is a MORALE hazard?occurs when someone unconsciously exhibits riskier behavior, because they are insuredWhat is an example of a MORALE hazard?a woman visits a friend overnight in an area with a high rate of auto theft. She is comfortable doing so because she has insurance. She does not intend to have her car stolen, but knows it is a possibilityWhat is a PERIL?The actual cause of a loss. fire, vandalism, theft, flood. An event you have no control over.What is direct loss?loss to a property due to a peril. Example: if you crash into a tree, the physical damage to your car is a direct loss.What is indirect loss?Consequential loss that results from physical loss. Example: because you caused damage to your vehicle, you now must rent a vehicle while it is repaired. The added expense of the rental is the indirect loss.First name insured is:the first person listed on the declarations page and the only one to authorize changes to the policyWhat is the policy period?It is the time between the date the policy goes into effect and the date it expires.What is a deductible?a specified amount of money that the insured must pay before an insurance company will pay a claimWhat is subrogation?When you go through your own insurance, and then the insurer sues the other partyWhen assessing a vehicle, #1 refers to which position on the vehicle?right frontWhen assessing a vehicle, #2 refers to which position on the vehicle?right front pillarWhen assessing a vehicle, #3 refers to which position on the vehicle?right t boneWhen assessing a vehicle, #4 refers to which position on the vehicle?right quarter postWhen assessing a vehicle, #5 refers to which position on the vehicle?right rearWhen assessing a vehicle, #6 refers to which position on the vehicle?rearWhen assessing a vehicle, #7 refers to which position on the vehicle?left rear bumperWhen assessing a vehicle, #8 refers to which position on the vehicle?left quarter postWhen assessing a vehicle, #9 refers to which position on the vehicle?left t boneWhen assessing a vehicle, #10 refers to which position on the vehicle?left front pillarWhen assessing a vehicle, #11 refers to which position on the vehicle?left front bumperWhen assessing a vehicle, #12 refers to which position on the vehicle?frontWhen assessing a vehicle, #13 refers to which position on the vehicle?rolloverWhen assessing a vehicle, #14 refers to which position on the vehicle?unknownWhen assessing a vehicle, #15 refers to which position on the vehicle?total lossWhen assessing a vehicle, #16 refers to which position on the vehicle?non collisionWhen assessing a vehicle, #17 refers to which position on the vehicle?left and right sidesWhen assessing a vehicle, #18 refers to which position on the vehicle?front and rearWhen assessing a vehicle, #19 refers to which position on the vehicle?all overWhen assessing a vehicle, #20 refers to which position on the vehicle?stripWhen assessing a vehicle, #21 refers to which position on the vehicle?undercarriageWhen assessing a vehicle, #22 refers to which position on the vehicle?total burnWhen assessing a vehicle, #23 refers to which position on the vehicle?interior burnWhen assessing a vehicle, #24 refers to which position on the vehicle?engine burnWhen assessing a vehicle, #25 refers to which position on the vehicle?fresh waterWhen assessing a vehicle, #26 refers to which position on the vehicle?salt waterWhen assessing a vehicle, #27 refers to which position on the vehicle?hailWhen assessing a vehicle, #28 refers to which position on the vehicle?glassWhen assessing a vehicle, #29 refers to which position on the vehicle?vandalism