PA MOTOR VEHICLE PHYSICAL DAMAGE

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PA MOTOR VEHICLE PHYSICAL DAMAGE

APPRAISER EXAM NEWEST ACTUAL

EXAM COMPLETE 200 QUESTIONS AND

CORRECT DETAILED ANSWERS (VERIFIED

ANSWERS) |ALREADY GRADED A+||BRAND

NEW!!

1. True or False: Each appraiser, while engaged in appraisal

duties, must carry his/her appraiser's license & display it to an

owner of the vehicle or shop upon request:

CORRECT ANSWER: True

Explanation: This is a legal requirement to ensure

transparency and accountability during appraisals.

• What are the number of business days you have per Act 361

to inspect a vehicle?

CORRECT ANSWER: 6

Explanation: Act 361 specifies a 6-business-day window for

inspection post-assignment.

• How many days after an inspection should a total loss be

offered to the owner?

CORRECT ANSWER: 5

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Explanation: This timeline ensures prompt communication of

total loss decisions.

• Aftermarket parts can only be used when?

CORRECT ANSWER: The parts are listed and coded in the

estimate

Explanation: Proper documentation ensures compliance and

transparency in repairs.

• What is aftermarket and why is it considered aftermarket?

CORRECT ANSWER: "Nonoriginal equipment manufacturer

(non-OEM) replacement part, either new or used, for any of the nonmechanical parts that generally constitute the exterior of the motor vehicle, including inner and outer panels." a) Generic version - made by vendor for manufacturer. Vendor also makes generic version of same part. New part - never used. A/M

Explanation: Aftermarket parts are not made by the original

manufacturer, often produced by third-party vendors, distinguishing them from OEM parts.

• What is the duty of the claimant after the loss?

CORRECT ANSWER: Provide a date, time, and facts of the loss

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Explanation: This information is critical for processing

insurance claims accurately.

7. True or False: Appraisals should always be signed by the

appraiser?

CORRECT ANSWER: True

Explanation: A signature validates the appraisal’s authenticity

and accountability.

• What is betterment?

CORRECT ANSWER: The act or process of improving

something. When a part is used on a car that makes the car more valuable than it was prior to the loss.

Explanation: Betterment reflects an increase in vehicle value

due to superior replacement parts.

• Which would be an example of an additional interest to the

policy?

CORRECT ANSWER: Lienholder

Explanation: A lienholder has a financial stake in the vehicle,

making them an additional interest.

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• Which is not a peril in reference to auto insurance?

CORRECT ANSWER: Wind/hail is not a peril (fire, theft, and

collision are perils) (Another exam has collision as the answer?)

Explanation: Perils typically include fire, theft, and collision;

wind/hail may fall under comprehensive coverage, not a named peril in some contexts.

• What is a peril?

CORRECT ANSWER: Something that may cause injury, harm,

or loss. (On another exam answer: Damage to another person,

damage to another vehicle & cause of loss)

Explanation: A peril is a potential cause of loss, varying by

context in insurance definitions.

• An appraiser's license shall expire annually at midnight on

this day?

CORRECT ANSWER: June 30

Explanation: This is the standard expiration date for PA

appraiser licenses.