Preview Questions Claims Adjuster | Role Specific Skill

Question 1: In preparing an earthquake damage claim report, which of the following documentation elements is most important?

Which action should you take?

Choose only one option

Personal statements from the claimant and local news reports

Structural damage reports, geotechnical data, and proof of loss

Claimant's financial history

Detailed photos without structural analysis

Question 2: How do you handle "Incomplete Documentation" in a claim, and what is your process for ensuring all necessary documents are collected before processing?

Which action should you take?

Choose only one option

I send requests for the missing documentation, clearly outlining what is needed and set a deadline for submission

I proceed with the claim, assuming the claimant will submit missing documents later

I reject the claim outright if documentation is incomplete

I process the claim using available documents and ignore missing items

Question 3: What is the primary purpose of conducting a "scene investigation" in auto insurance claims?

Which action should you take?

Choose only one option

To assess the aesthetic damage to the vehicle

To gather evidence and understand the circumstances surrounding the accident

To interview the policyholder about their driving history

To estimate the repair costs

Question 4: How do you ensure that the "Document Drafting Process" remains compliant with internal audit requirements in claims handling?

Which action should you take?

Choose only one option

I rely on external parties to handle the audit process without internal involvement

I skip the drafting process and proceed directly to claim settlement

I follow a structured process for drafting, reviewing, and approving documents, ensuring compliance with audit standards and best practices

I draft documents without formal review and avoid audits unless necessary

Question 5: What is the significance of the "insurable interest" requirement in an insurance policy?

Which action should you take?

Choose only one option

Ensures only high-value assets are insured

Limits coverage to the policyholder's immediate family

Prevents speculative insurance

Guarantees all claims are fully paid

Question 6: What is the most effective way for a Claims Adjuster to evaluate medical claims during an investigation in BFSI?

Which action should you take?

Choose only one option

Relying on self-reported medical information from the claimant

Ignoring medical records and focusing solely on the incident report

Accepting medical claims as valid if they match the incident description

Verifying medical reports with healthcare providers and specialists