Preview Questions Claims Adjuster | Role Specific Skill

Question 1: During a heated negotiation, how do you de-escalate tension while staying firm?

Which action should you take?

Choose only one option

Counter with legal terms

Propose a win-win solution

Change the topic

Empathize with their concerns

Question 2: How can a Claims Adjuster effectively use "active listening" to improve negotiation outcomes?

Which action should you take?

Choose only one option

By focusing solely on formulating responses while the policyholder speaks

By maintaining silence throughout the negotiation

By waiting for the policyholder to finish before providing feedback

By demonstrating understanding through verbal affirmations and summarizing the policyholder's points

Question 3: When faced with a policyholder who is emotionally distressed, what is the most appropriate initial approach to take during the negotiation process?

Which action should you take?

Choose only one option

Refer them to a supervisor

Acknowledge their emotions and establish rapport

Push for a quick resolution to minimize time spent

Immediately present all policy details

Question 4: Which clause in an insurance policy specifies the insurer's right to recover amounts from a liable third party?

Which action should you take?

Choose only one option

Subrogation clause

Exclusion clause

Indemnity clause

Waiver of liability clause

Question 5: When preparing a claims report for a denied claim, what is the most critical element to include?

Which action should you take?

Choose only one option

A general explanation without policy references

The claimant's history of claims, even if unrelated

An apology letter to the claimant with no reference to evidence

Clear evidence and references to policy terms and exclusions

Question 6: What is the most critical aspect of evaluating evidence in an insurance fraud case for BFSI?

Which action should you take?

Choose only one option

Accepting untested evidence without validation

Cross-referencing evidence with existing claims history and legal documentation

Relying on external sources without reviewing internal records

Discarding minor inconsistencies in the evidence for faster resolution