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PA MOTOR VEHICLE PHYSICAL DAMAGE
APPRAISER EXAM NEWEST 2025 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.
