Preview Questions Claims Adjuster | Role Specific Skill

Question 1: When writing a report for a vehicle accident, which detail should be emphasized the most?

Which action should you take?

Choose only one option

The vehicle make and model

The weather conditions at the time

The claimant's medical history

The police report and citations

Question 2: In the context of reinsurance, what is the purpose of a "treaty" arrangement?

Which action should you take?

Choose only one option

Allows for individual claim negotiations

Covers all risks within a defined category agreed upon by the insurer and reinsurer

Eliminates the need for primary insurance

Protects specific high-value claims

Question 3: What factor would likely reduce risk in a personal liability insurance claim?

Which action should you take?

Choose only one option

Lack of safety measures on the property

A strong personal safety record and no previous claims history

A history of frequent claims and large settlements

The age of the claimant being 60+

Question 4: 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 5: What is the purpose of the "appraisal clause" in an insurance policy?

Which action should you take?

Choose only one option

Specifies the conditions under which premiums can be increased

Determines the policyholder's eligibility for coverage

Resolves disputes over the value of a claim

Outlines the renewal terms for the policy

Question 6: When handling an escalated claim from an irate customer, which negotiation technique is most effective?

Which action should you take?

Choose only one option

Immediately offering a higher settlement to appease the customer

Referring them to the supervisor without attempting resolution

Offering non-policy-related benefits to placate the customer

Active listening and validating their concerns before providing a solution