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Act of Dec. 29, 1972, P.L. 1713, No. 367 Cl. 63


Concerning motor vehicle physical damage appraisers; providing for the licensing of persons engaged in appraising physical damages to motor vehicles; fixing fees and prescribing unlawful acts and penalties.


Section 1. Short Title.
Section 2. Definitions.
Section 3. Licenses; Examination Fees.
Section 4. Expiration; Renewal of Licenses.
Section 5. Suspension Period; Surrender of License and Reinstatement or Relicensing of Licensee.
Section 6. Denial, Suspension, Revocation of or Refusal to Renew License.
Section 7. Notice; Hearing; Appeals.
Section 8. License Without Examination; Application.
Section 9. Penalties.
Section 10. Rules and Regulations.
Section 11. Compliance with Act.
Section 12. Legislative Intent.
Section 13. Severability.
Section 14. Effective Date.

The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. Short Title.--This act shall be known and may
be cited as the "Motor Vehicle Physical Damage Appraiser Act."
Section 2. Definitions.--As used in this act:
(1) "Appraiser" means a motor vehicle physical damage
appraiser. This shall include all persons in this State who
practice the appraisal of motor vehicle physical damage.
(2) "Commissioner" means the Insurance Commissioner of the
Commonwealth of Pennsylvania.
(3) "Insurer" includes all companies, associations and
exchanges engaged in the insurance business of insurance and
Section 3. Licenses; Examination; Fees.--(a) No person
shall directly or indirectly act or hold himself out as an
appraiser unless such person has first secured a license from
the commissioner in accordance with the provisions of this act.
(b) Except as otherwise provided in section 8 of this act,
no person shall be granted an appraiser's license unless he
shall first establish his qualifications therefor and shall
take and pass an examination for appraisers.
An applicant for such examination shall be at least eighteen
years of age; shall be a resident of the Commonwealth of
Pennsylvania, or a resident of any other state or country which
permits residents of this Commonwealth to act as appraisers in
such other state or country; shall be trustworthy; and shall
otherwise establish to the satisfaction of the commissioner
that he has had experience or special education or training
with reference to the business of the appraising of physical
damages to motor vehicles of sufficient duration and extent
reasonably necessary to make him competent to fulfill the
responsibilities of an appraiser.
Applications for an examination as appraiser shall be made
to the commissioner upon forms prescribed and furnished by him
and shall be accompanied by the proper fee. Applicants shall
provide the commissioner with such information concerning his
identity and personal history, and such other information as
shall be necessary to establish his qualifications to take the
(c) The commissioner shall prepare and make available to
applicants a manual or instructions setting forth in general
terms the subject matter to be covered in the examinations.
(d) The examination for licensure which shall be given under
the supervision of the commissioner shall consist of a written
examination that shall include the act of appraising one or
more damaged motor vehicles and shall be supplemented by an
oral examination. At the discretion of the commissioner an oral
examination in lieu of the aforesaid written examination may
be given but only for reason of an applicant's physical
handicap. An oral examination shall include the act of
appraising one or more damaged motor vehicles. They shall be
given at reasonable times and places within the Commonwealth.
Any applicant who fails to pass such examination shall not be
eligible to retake an examination for thirty days from the date
of such failure.
(e) The fee to be paid to the commissioner by an applicant
for an appraiser's license shall be ten dollars ($10) at the
time the application is made and ten dollars ($10) annually for
the renewal thereof. In the event of failure to pass the
examination, the fee of ten dollars ($10) shall not be
(f) The commissioner shall prescribe the form of the
appraiser's license and it shall contain:
(1) The name of the appraiser.
(2) The address of the appraiser's place of business.
(3) Date of issuance and expiration date of license.
(4) Any other information which the commissioner determines
is necessary.
(g) The commissioner shall issue an appraiser's license to
every person who applies therefor, pays the proper fee, passes
the required examinations and otherwise is found by the
commissioner to possess the necessary qualifications for
licensure under this act.
Compiler's Note: Section 6(a) of Act 48 of 1981, which
provided for the fixing of fees charged by administrative
agencies, provided that subsection (e) is repealed
insofar as it establishes a set fee for any activity
inconsistent with the fees set forth in Act 48.
Section 4. Expiration; Renewal of Licenses.--(a) An
appraiser's license shall expire annually at midnight of June
thirtieth next following the date of issuance.
(b) Subject to the right of the commissioner to suspend,
revoke, or refuse to renew an appraiser's license, any such
license may be renewed for another annual period commencing the
first day of July and expiring at midnight of June thirtieth
next following by filing with the commissioner on or before the
expiration date a written request, by or on behalf of the
licensee, for such renewal, accompanied by payment of the
renewal fee.
(c) If the request and fee for renewal of license is filed
with the commissioner prior to the expiration of the existing
license, the licensee may continue to act under such license,
unless sooner revoked or suspended, until the issuance of
renewal license or until the expiration of five days after the
commissioner has refused to renew the license and has mailed
notice of such refusal to the licensee. Any request for renewal
not so filed until after date of expiration may be considered
by the commissioner as an application for a new license.
Section 5. Suspension Period; Surrender of License and
Reinstatement or Relicensing of Licensee.--Every order
suspending any such license shall specify the period during
which suspension will be effective, which shall in no event
exceed twelve months.
The holder of any license which has been revoked or suspended
shall surrender the license to the commissioner at his request.
The commissioner shall not reinstate the license or relicense
any licensee or former licensee whose license has been
suspended, revoked or renewal refused while the cause for the
suspension, revocation or refusal of such license persists.
Section 6. Denial, Suspension, Revocation of or Refusal to
Renew License.--The commissioner may deny initial issuance of,
suspend, revoke, or refuse to renew any appraiser's license for
any cause specified in any other provision of this act, or for
any of the following causes:
(1) For any cause for which issuance of the license could
have been refused had it been existent and been known to the
(2) If the licensee wilfully violates or fails to comply
with or knowingly participates in the violation of or failure
to comply with any provision of this act or any rule or
regulation promulgated thereunder.
(3) If the licensee has obtained or attempted to obtain any
such license through wilful misrepresentation or fraud, or has
failed to pass any examination required under this act.
(4) If the licensee has, with intent to deceive, materially
misrepresented the terms or effect of any insurance contract;
or has engaged or is about to engage in any fraudulent
(5) If the licensee has been convicted, by final judgment,
of a felony.
(6) If in the conduct of his affairs under the license, the
licensee has shown himself to be, and is so deemed by the
commissioner, incompetent, or untrustworthy, or a source of
injury and loss to the public.
Section 7. Notice; Hearing; Appeals.--Except as otherwise
herein provided all actions of the commissioner shall be taken
subject to the right of notice, hearing and adjudication, and
the right to appeal therefrom as provided by law.
Section 8. License Without Examination; Application.--Upon
the payment of a fee of ten dollars ($10) any person who has
been employed or engaged for a period of not less than two years
prior to the submission of such application in the appraising
of physical damages to motor vehicles and is currently so
engaged shall be licensed without examination as an appraiser
if the application is made on or before July 1, 1973 and the
applicant possesses the qualifications required of applicants
as provided in section 3 of this act.
Section 9. Penalties.--Any person who violates any of the
provisions of this act is guilty of a misdemeanor and upon
conviction thereof, for each offense, shall be sentenced to pay
a fine not exceeding five hundred dollars ($500), or to undergo
imprisonment not exceeding one year, or both.
Section 10. Rules and Regulations.--The Insurance
Commissioner is hereby charged with the administration and
enforcement of this act and shall prescribe, adopt and
promulgate rules and regulations in connection therewith.
Section 11. Compliance with Act.--(a) Each appraiser, while
engaged in appraisal duties, shall carry the license issued to
him by the Insurance Department and shall display it, upon
request, to an owner whose vehicle is being inspected, to the
repair shop representative involved or to any authorized
representative of the Insurance Department.
(b) The appraiser shall furnish a legible copy of his
appraisal to the repair shop selected by the consumer to make
the repairs and also furnish a copy to the owner of the vehicle.
This appraisal shall contain the name of the insurance company
ordering it, if any, the insurance file number, the number of
the appraiser's license and the proper identification number
of the vehicle being inspected. All unrelated or old damage
should be clearly indicated on the appraisal which shall include
an itemized listing of all damages, specifying those parts to
be replaced or repaired. Because an appraiser is charged with
a high degree of regard for the public safety, the operational
safety of the vehicle shall be paramount in considering the
specification of new parts. This consideration is vitally
important where the parts involved pertain to the drive train,
steering gear, suspension units, brake system or tires. ((b)
amended Apr. 14, 2016, P.L.79, No.13)
(c) An appraiser may prepare a repair estimate obtained by
personal inspection or by photographs, videos or telephonic
means. An appraiser may not require the submission of
photographs or videos in order to obtain an appraisal. An
appraiser, or an insurer as part of the appraisal process, shall
disclose to the owner of the vehicle that there is no
requirement to submit photographs or videos in order to obtain
an appraisal. ((c) amended Apr. 14, 2016, P.L.79, No.13)
(d) No appraiser or his employer shall require that repairs
be made in any specified repair shop.
(e) Supplemental repair estimates that become necessary
after the repair work has been initiated due to discovery of
additional damage to the motor vehicle may be made by personal
inspection or by photographs, videos or telephonic means,
provided that in the case of disputed repairs a personal
inspection shall be required. ((e) amended Apr. 14, 2016,
P.L.79, No.13)
(f) Every appraiser shall:
(1) Conduct himself in such a manner as to inspire public
confidence by fair and honorable dealings.
(2) Approach the appraisal of damaged property without
prejudice against, or favoritism toward, any party involved in
order to make fair and impartial appraisals.
(3) Disregard any efforts on the part of others to influence
his judgment in the interest of the parties involved.
(4) Prepare an independent appraisal of damage.
(5) Inspect a vehicle within six working days of assignment
to the appraiser unless intervening circumstances (i.e.
catastrophe, death, failure of the parties to cooperate) render
such inspection impossible.
(g) No appraiser shall:
(1) Receive directly or indirectly any gratuity or other
consideration in connection with his appraisal services from
any person except his employer or, if self-employed, his
(2) 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.
Section 12. Legislative Intent.--It is not contemplated
that this act shall apply where no appraisal has been assigned.
Recognition is given to the fact that many minor damage claims
do not require a formal appraisal and to require such would be
an undue burden upon the parties involved.
Section 13. Severability.--If any section, subsection,
subdivision, paragraph, sentence or clause of this act is held
invalid or unconstitutional, such decision shall not affect the
remaining portions of this act and to this end the provisions
of this act are declared to be severable.
Section 14. Effective Date.--This act shall take effect
January 1, 1973.

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