PROGRESSIVE CLAIMS ADJUSTER VIDEO INTERVIEW

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PROGRESSIVE CLAIMS ADJUSTER VIDEO INTERVIEW

QUESTIONS EXAM QUESTIONS

Actual Qs and Ans Expert-Verified Explanation

This Exam contains:

-Guarantee passing score -23 Questions and Answers -format set of multiple-choice -Expert-Verified Explanation

Question 1: Why do you want to be a claims adjuster?

Answer:

When I was working in a previous position as a customer service representative in the industry, I saw firsthand the impact that a well-handled claim could have on the policyholders life. It could provide financial and emotional support during a challenging time.Question 2: How do you approach negotiating settlements with policyholders, and what factors do you consider when determining the appropriate amount to offer?

Answer:

When approaching negotiation settlements, I believe it's important to be both fair and firm. My goal is to find a settlement tat meets the needs of the policyholders needs while also ensuring the insurer is not overpaying.To determine the appropriate settlement amount, I try to consider the policyholder's coverage, the severity and extent of the damage or injury, any applicable deductibles, and any relevant legal or regulatory requirements.

Question 3: Can you provide an example of a time when you had to deny a claim?

Answer:

It's never easy to deny a claim. One example that I had to deny a claim involved a policyholder who had files a claim for water damage to their home. Upon investigation, it became clear that the policyholder did not taken steps to prevent the damage and had failed to address a pre-existing leak in the roof that

caused the water damage.Since they had failed to address the pre-existing leak and did not take the steps to prevent damage, I had to deny the claim. During the process, I had open and transparent communication with the policyholder and I explained the reason behind the decision and offered guidance on steps to prevent similar issues in the future.Question 4: How would you deal with a hostile client who is unhappy with your assessment?

Answer:

I understand that people may be upset by my assessments, and I will do my best to answer any questions they may have and explain why I have made certain decisions. I do not take the anger of clients personally, and I hold firm in my decisions, but I always do my best to have open channels of communication for any concerns.Question 5: How do you ensure that you are thorough in collecting and assessing information for appraisals of damage

Answer:

I know that I need all of the facts to be able to make appraisals, so I make sure to go over all the details carefully. In deciding what pieces of information to collect, I typically refer to the company manual and training. In collecting this information, I examine the scene thoroughly, and I interview witnesses, police officers, and other involved parties for firsthand information.Question 6: Who would you consult with after combing through an insurance claim?

Answer:

After reviewing a claim, it's advisable to consult with the policyholder or claimant to gather additional information, clarify details, and ensure a thorough understanding of the circumstances surrounding the claim. This communication helps in making informed decisions and expediting the claims process.Question 7: A claimant requires an assessment of his house that was damaged in a fire. List as many information sources you would turn to to produce your report. How many can you list?

Answer:

1.Claimant Interview 2.witness statement

• Fire department report

• police report

• Photo evidence
• Insurance policy document
• Fire investigators report
• building blueprints/layout

9.weather reports

• utility company records

11.financial records

• neighbor statements

Question 8: Describe a time you negotiated with someone and you gave in to their side. What happened, and what would you do differently next time?

Answer:

In my first claims adjuster position, I helped a customer who was very persuasive. Based on my appraisal, their vehicle was salvageable, but they wanted us to total it and help cover the replacement.They were able to persuade me to agree, even though I knew it wasn't the ideal outcome to reach.However, since this experience, I've learned to be more firm in explaining my appraisals and providing specific quotes from our rules and their policy to justify my decisions

Question 9: What is your approach to managing stress?

Answer:

I never get personally involved in any workplace arguments. When dealing with clients, I am there to do my job, assess damages, and cover damages per rules and policies. I also make sure to prioritize my work-life balance and offset the stress of work with golfing, gardening, and relaxing outside of work.Question 10: Imagine you're working with a customer who was in an automobile accident. You recommend repairing a part on their car, but they want to replace the part instead. What would you do?

Answer:

First, I would be sure to hear out the questions and concerns of the customer. If they are concerned about the safety of their vehicle, I will assure them of the measures we have in place to ensure that the vehicle is completely safe after repairs have been made. Finally, I would explain the policies we have in place that necessitate a repair rather than a replacement in this instance.

Question 11: How would you combat the misappropriation of insurance benefits?

Answer:

To combat the misappropriation of insurance benefits, it's crucial to implement robust verification processes. This may involve thorough documentation checks, confirmation of claim details with multiple parties involved, and employing technology to detect any inconsistencies or irregularities. Collaborating with law enforcement agencies and utilizing data analytics can also enhance efforts to identify and prevent fraudulent activities in insurance claims. Regularly updating and reinforcing fraud prevention measures is essential in staying ahead of evolving tactics used by those attempting to misappropriate insurance benefits.

Question 12: Which factors are indicative of insurance fraud?

Answer:

Inconsistent Information Missing or altered documentation Unusual Loss Patterns Delayed Reporting Exaggerated Loss Witness discrepancies History of Claims Unusual Behavior

Question 13: How would you describe your communication skills?

Answer:

I would say that I have advanced written and verbal communication abilities. Writing clear reports, coordinating with many individuals, and explaining assessments to customers were daily occurrences at my previous position, and I have had a lot of practice in communicating effectively in these ways.Question 14: Where would your work as a progressive claims adjuster trainee lead to?

Answer:

My work as a progressive claims adjuster would be the start of my career. Id love to stay within the insurance industry and with progressive. Id like to get into auto claims in the future as well as obtain a leadership role with the department. Even further down the line id be pleased with catastrophe claims Question 15: Describe a situation where you missed critical information in your appraisal. How did you rectify it?

Answer:

I responded to an automobile accident late at night on the side of a busy highway, and, unfortunately, I missed a critical detail in evaluating my client's damage. My mistake created conflicting information between what I recorded and what my client and the other party reported. However, I contacted both of them, and they provided their personal photos of the incident, and I was able to secure dashcam footage from my client. This resolved the issue, and to prevent this from happening again, I created a personal checklist to bring to all appraisals.

Question 16: How do you ensure accuracy in your work before submitting it?

Answer:

Before submitting work, I proofread to make sure there are no inaccuracies or mistypes. It is very important to me that I handle all claims accurately as this builds trust with clients.