Preview Questions Claims Adjuster | Role Specific Skill

Question 1: What is the purpose of a subrogation clause in an auto insurance policy?

Which action should you take?

Choose only one option

To reduce the premium cost for the policyholder

To allow the insurer to reduce the deductible amount

To prevent fraud and ensure accurate claims

To allow the insurer to recover the claim payout from the responsible party

Question 2: What is the first step you should take when investigating a potential fraudulent insurance claim?

Which action should you take?

Choose only one option

Collect police reports if applicable

Verify the claimant's identity

Assess the physical damage to the property

Review the claimant's prior claims history

Question 3: Which legal concept allows insurers to deny a claim based on the policyholder's failure to mitigate further loss?

Which action should you take?

Choose only one option

Duty to Mitigate

Subrogation

Contributory Negligence

Estoppel

Question 4: A client refuses to accept your explanation of policy coverage. What is your next step?

Which action should you take?

Choose only one option

Involve a supervisor

Clarify using examples

Repeat the explanation

Offer a partial settlement

Question 5: Which of the following actions is most likely to be considered a red flag during a claim investigation?

Which action should you take?

Choose only one option

The claimant immediately contacts the insurer after the incident

The claimant delays reporting the loss but offers reasonable explanations

An insured claimant provides a detailed and consistent description of the loss

The claimant provides multiple versions of the events leading up to the loss

Question 6: In property damage claims, what is the most important factor when reporting claim findings?

Which action should you take?

Choose only one option

Claimant's personal background and history

Accurate assessment of damage, with supporting photographic evidence

Policyholder's financial standing

History of claims by the insurer