Preview Questions Claims Adjuster | Role Specific Skill

Question 1: How do you assess "Claimant Liability" in cases where there is ambiguity about the claimant's fault, and what legal principles guide this decision?

Which action should you take?

Choose only one option

I consult the claimant's attorney to determine liability

I review the claimant's actions, relevant law (e.g., negligence), and policy terms to assess liability

I disregard legal principles and rely on intuition to make decisions

I automatically assume the claimant is liable, based on available documents

Question 2: What is the role of "Claim Documentation" in claim investigation, and how do you ensure all necessary documentation is gathered for a thorough review?

Which action should you take?

Choose only one option

Proper documentation ensures all necessary evidence is collected, including photographs, reports, and signed statements, and ensures the claim is assessed accurately

Documentation is irrelevant as long as the claimant provides verbal testimony

Documentation is only necessary for legal claims, not regular claims

Documentation is only important if the claimant requests reimbursement

Question 3: How do you investigate the "Cause of Loss" in a claim, particularly in complex cases where multiple factors may be involved?

Which action should you take?

Choose only one option

The cause of loss is only important if it involves property damage

The cause of loss is irrelevant as long as the claimant has the necessary documentation

The cause of loss is assumed to be clear from the claimant's statement

The cause of loss is determined by collecting all evidence, interviewing witnesses, inspecting property, and collaborating with experts to analyze all potential factors

Question 4: What is the role of a "claim file audit" in the quality control of claim investigations?

Which action should you take?

Choose only one option

To train new claims adjusters

To ensure that claims are being handled in compliance with internal policies and regulatory standards

To increase the speed of claim processing

To determine the profitability of insurance products

Question 5: In property insurance, what is the purpose of the "replacement cost" provision?

Which action should you take?

Choose only one option

Mandates annual revaluation of the insured property

Covers the cost to replace damaged property without depreciation

Excludes wear-and-tear from coverage

Pays the market value of damaged property

Question 6: What is the primary purpose of a "disclaimer of liability" clause in a contract?

Which action should you take?

Choose only one option

To exclude certain risks from coverage

To define the scope of damages covered

To limit the insurer's obligations

To protect the claimant from legal actions