Top 25 Claims Adjuster Interview Questions
1. Have you had to contact a doctor before on a questionable claim?
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Claims Adjuster
February 12th, 2017

A Claims Adjuster is also referred to as an Insurance Adjuster or Claims Handler. An Adjuster is responsible for assessing policyholder claims that come through an insurance company. Investigating the policyholders claim is the beginning of a Claims Adjuster's role and may include negotiating a payout from the insurance company to the claimant. A Claims Adjuster can find employment with any Insurance Agency.

Professional mannerisms and great communication skills are key to the success of a Claims Adjuster. An Adjuster may need to work directly with Physicians, Law Enforcement, Lawyers and other professionals who may be required to give their professional opinion on the health and well-being of a claimant or the state of their property.

A Claims Adjuster is required to perform investigatory related tasks associated with car accidents and personal injury, for example. A strong memory and keen eye are some characteristics that may be important for an Adjuster to possess. Negotiation skills are a must-have as a Claims Adjuster must make recommendations for insurance payout amounts based on each individual policy and situation. Claims Adjusters should be very detail oriented since organization and precision are vital to a claim's accuracy. Every single detail matters when it comes to an insurance claim.

A post-secondary degree can greatly improve one's ability to gain employment as an Adjuster. A degree in Business, Finance, or Administration may be desired. A post-secondary degree may not always be required to gain employment as a Claims Adjuster; however, one must always be properly licensed. Licensing may change between States so it's important to check for policies and regulations when moving from State to State.
Claims Adjuster Interview Questions
2 of 35
Explain to me some of the career movement on your resume.
 
User Submitted Interview Answers
1.
I am still working but I am looking for another position with more challenges and grows as a person in another field.
 
2.
I wanted to get my adjusters license and go back into adjusting claims.
 
3.
I want to better growth and I am looking for good opportunists. So I want to change my job.
 
4.
There are only two reasons, I was laid off from two of my previous jobs and some of my bosses retired. So that I seek for another higher salary job.
 
5.
I am still employed I am looking for growth and to take my knowledge and expand my knowledge.
 
Question
3 of 35
What motivates you to do a good job as a claims adjuster?
 
User Submitted Interview Answers
1.
The challenge to close a claim with minimum incurred.
 
2.
Problem solving that motivates me if I do my best and help resolve a problem and if the client is cestisfied I am certisfied too.
 
3.
What motivates me is that in at my current job I have explain policy and procedures to customer's daily and help them step by step in regards to their line of credit.
 
4.
I enjoy liaising with clients. I also enjoy helping clients to solve their problem. If clients feel satisfied, I feel satisfied too.
 
5.
I am motivated by the challenge. I thrive in a fast pace environment. I am also motivated by helping others.
 
Question
4 of 35
Are you efficient with your time?
 
User Submitted Interview Answers
1.
Yes, utilize my time by prioritizing my work each day.
 
2.
You should hire me because I have good time management, great customer service, and a team player.
 
3.
I make the most of my time by performing the highest priorities first and working my way down a list that I usually generate. If I run out of items on the list, I find other areas of my job that need to be worked on and preform those duties.
 
4.
Yes I am efficient with my time by orginizing and putting a time schedule together to be efficient.
 
5.
Yes I like to gather data and will not stop until I find a solution.
 
Question
5 of 35
What was the most difficult period in your career so far and how did you deal with it?
 
User Submitted Interview Answers
1.
Work related- I was having this challenge whereby a certain family was having those individuals who were not willing that a postmortem be conducted to their family member, I was suppossed to intervene to deal with this situation. I tried to explain to their elders the importance of the postmortem, I manage to knock some sense into their minds and the postmortem was conducted.
 
2.
When my mother was diagnosed with cancer. It prompted me to do research on my own to educate myself more in that area to better myself and help others going through the same thing.
 
3.
It was the first time I was laid off from a job which I worked for almost 10 years. I really like that job and I missed my ex-colleagues. Fortunately the paid my a long-service pension which was 10 months of my monthly salary. I used these money to join a cooking course. Since I always worked overtime before and never have time to cook, I started to cook from that period of time till now. Cooking becomes part of my daily live.
 
4.
I've dealt with having to take on more job responsibilities that were very difficult. I took the challenge anyways because I wanted to excel and in the end I got the job done.
 
5.
The most duficult period in my life was to go bact to my previous job, I had to pick myself up and soldier on.
 
Question
6 of 35
What steps do you go through when you investigate a claim?
 
User Submitted Interview Answers
1.
Once coverage has been established. I contact all parties, getting statements and gathering information. I gather copies of police reports, medical records, videos, pictures, time sheets and everything I can that involves the claim. Develop an action plan to determine reserves and estimated time frame for closure. Set diaries to follow up for updated statuses and action plans. Once all parties have been paid, claim settled or the claim no longer active then set diary to close claim.
 
2.
I don't have the idea as I don't have the experience in that field but I think it is more or less the same when I receive the docket. I think first thing the claim must be registered on the system, check the membership and the validity, contact the policy holder, gather as much information that is needed, process the claim, decline or settle the claim.
 
3.
Visit the spot. Record photos. Take witness statement if available.Review the cause , circumstances and insurance coverage . Allot amount for the damage.
 
4.
Get a detail understanding of what is required of me and, systamatically investigate what I think is wrong on teh claim.
 
5.
As soon as I am assigned the claim, I go through the application form, review the coverage eligibility, status of the policy, request the necessary documents and medical records, send the records for review to registered nurse, determine benefit eligibility and recommend claim for approval or denial. At each and every stage I do meticulous documenting.
 
Question
7 of 35
What types of programs and software are you well versed in?
 
User Submitted Interview Answers
1.
I have investigation skills and eperience which I think are in line with the company's requierements for this position as a claims adjuster.
 
2.
Good company to learn, earn and grow.
 
3.
I'm a self motivated and positive person. I'm industrious, dependable and accountable. I am practiced in dealing with the public and have excellent problem and complaint resolution skills. I also have a great depth of experience in working with complex processes and matrixes and I work extremely well in a fast paced and even a chaotic environment.
 
4.
Share your knowledge and work experience, Skill related job and career goals.
 
5.
I'm driven, motivated and hard-working. I believe I could be a great asset to company and do well.
 
Question
8 of 35
What are you currently working on for self development?
 
User Submitted Interview Answers
1.
Delegating - I often have a hard time allowing other to help me because I don't know if they will be through enough or do as good of a job. Speaking in front of large groups - I'm ok doing this but I do get really nervous. Too thorough - if I'm not careful it can slow me down sometimes.
 
2.
Sometimes I work with a sense of urgency, I feel let down by people who are not willing to work with the pace I am working with and sometimes I am not enjoying to just sit and do nothing yet I saw that I can do something to help but that task maybe was not given to me.
 
3.
Too detail oriented. Get upset with those who cannot complete task in time.
 
4.
Take on too much, putting undue stress on myeself for things not within my control, being a perfectionist.
 
5.
I may lack some skills but I'm eager to learn. Sometimes with my family I become to sensitive I want them to succeed and I get disappointed. In some aspects I may be to strong will but with mAturity I'm working on it .
 
Question
9 of 35
Tell me about a fraudulent claim you discovered. What action steps did you take?
 
User Submitted Interview Answers
1.
The fraudulent was about to be committed though a case docket was opened of house breaking and theft whereby a certain guy reported that his laptop was stolen at his house while asleep and after a thorough interviewing he was not putting his facts straight and he later admitted that the laptop was not stolen it fell down and stopped functioning and when he took that laptop to the shop, he said he was adviced to opene a case so that he can claim from the insurance, that case was closed as false.
 
2.
I had a work comp claim where this man claimed to have hurt his back on the job when lifting a heavy piece of material. Only to find out, he injured it at home when he was putting a deck up in his backyard. I found out he had been treated a few months ago at a hospital for the same injury, which was stated from putting a deck up at home. He didn't have medical insurance and was trying to get work comp to pay for it.
 
3.
Discovered that the client bought the vehicle a month prior to insuring it places it on cover, vehicle trace showed that the client insured a different colour vehicle then the one that was bought, client could not produce any repair certificates nore receipts.
 
4.
A vehicle came in and they claimed that it had just been in an accident and there was evidence of heavy rust formation where the paint was broken.
 
5.
I never had this experience , but remember with the past company insured had brought false documents.
 
Question
10 of 35
When you have difficulty persuading someone to your point of view, what do you do?
 
User Submitted Interview Answers
1.
I listen to the person and try to incorporate the person's thoughts into my view and thereby make the best decision.
 
2.
I ask them questions to figure out their thought process so I can understand why they don't agree. Then I can explain the differences with my point of view and how it may be better in a positive way.
 
3.
I dont usually have that type of a problem but if I did I might offer some middle ground that we can compromise and come up with a realistic solution.
 
4.
I try to better understand there needs and come to an attainable agreement.
 
5.
I research and produce evidence of my point to show the validity of my side.
 
Question
11 of 35
Have you researched our company? What attracted you to our organization?
 
User Submitted Interview Answers
1.
It is a fast growing company with the vision of helping people out from their crisis and it is an authorised financial providers.
 
2.
I know that you are a multimillion dollar company that was first established in 1878 with revenue of over 2.3 billion each year and one of the top rated insurance providers in the world.
 
3.
I have worked with adjusters in the past from this company and have always had a positive experience with them.
 
4.
Established in 1937 and hold core values of integrity, respect, excellence, goals and profit.
 
5.
Is a market leader distribution through 4 different agencies and culture of the company is best fitted what I know for me.
 
Question
12 of 35
What experiences do you have talking with legal counsel on claims?
 
User Submitted Interview Answers
1.
I listened to the person and try to incorporate the person's thoughts into my point of view and thereb2making the best decision.
 
2.
I've never been in contact with legal counsel regarding claims but I do have contacts with the legal counsiel including prosecutors and advocates, I think with that experince and contacts I won't have any difficulties should the client is not certisfied with his or her claims and decide to take the company to court, I will deal with that and present my facts in the court of law.
 
3.
I have frequently reached out to counsel for opinions on claims, especially in different states.
 
4.
Mostly advise and what the legalities would be should a particular decision be taken.
 
5.
Not many. But have had many years of dealing with claims handlers . And dont believe I would have a problems understanding there legal obligations to the consumers as owed a pre loss indemnification.
 
Question
13 of 35
What are your salary expectations?
 
Question
14 of 35
We were initially looking for someone with 5 years' experience in a similar role. Considering you have just 2 years' experience, would you be willing to accept this position at a lower salary?
 
Question
15 of 35
If you could re-do any of your insurance courses, which one would you choose and why?
 
User Submitted Interview Answers
1.
I worked in pip customer service before, and wish I could have the opportunity to work in that department again one day, so I can learn even more about insurance.
 
Question
16 of 35
Describe your leadership skills.
 
Question
17 of 35
When entering a new job, describe how you build relationships with your new coworkers and supervisors.
 
Question
18 of 35
Outside of work, what type of creative activities do you like to pursue?
 
Question
19 of 35
How often do you discuss work with your colleagues in order to think up new systems and styles of working?
 
Question
20 of 35
Tell me about yourself.
 
Question
21 of 35
What challenges are you looking for in this position?
 
Question
22 of 35
When would you be available?
 
Question
23 of 35
Tell me about your post-secondary education. What was your best course, and which one gave you the most difficulty?
 
User Submitted Interview Answers
1.
I have a two year assiciotes degree plus many many years in sales training, managemtn and real estate training.
 
2.
My best course is my psychology class because it's dealing with the mind, and the way people think has always fascinated me.
 
Question
24 of 35
How well do you understand the insurance industry?
 
User Submitted Interview Answers
1.
I'm only an outsider but I have been a customer for many different type of insurance. I have taken Insurance class in college and made an A. I feel like I have a good understanding for and outsider.
 
2.
I understand the insurance industry enough to handle claims.
 
3.
I am still learning the basics a great deal, but understand the need to exist and how it provides answers in need. I chose this industry based on skills that I found being underused in the past and very appealing to exercise.
 
4.
Well fast pace trust with the customers.
 
5.
From carrier perspective there are lots of opportunity in this organization to grow myself and shows my potential within the company's outfit.
 
Question
25 of 35
If hired by us, what would your goals be as an adjuster?
 
User Submitted Interview Answers
1.
Adding value and making a meningful contribution.
 
2.
To learn as much as possible and exceed company expectations.
 
3.
To understand the key issues in the claims first to achieve the path to grow towards the success.
 
4.
I am looking forward to work hard by awarding genuine claims to genuine clients and reaching the company's goal as that of mine.
 
5.
To be able to handle claims in a accurate, timely, efficient manner.
 
Question
26 of 35
What kinds of communication situations cause you difficulty? Give an example.
 
User Submitted Interview Answers
1.
Nothing really only when I done understand.
 
2.
Unclear, vague. When someone expects me to know what they're thinking.
 
3.
If someone is standing in my face being abusive that's difficult for me.
 
4.
Use of informal communication in areas where they are many communication barriers to pass a formal message. E. G. A manager giving me an important duties by verbal in a loud and congested area.
 
5.
When a person have a preconceived idea of the insurance co being against them, not for them.
 
Question
27 of 35
Why did you choose to become a Claims Adjuster?
 
User Submitted Interview Answers
1.
Actually, I landed a job in the claims department at a young age through a friend of a friend. I learned the role and the skills that came with it. It was something it enjoyed and so I stayed in that area.
 
2.
To switch from the present position to claim to get more exposure.
 
3.
I want to do something new and challenging I work with insurance everyday so I think it will be a nice transition for me.
 
4.
I want to make the claim experience more positive by achieving the goals set by the company.
 
5.
The job is very inspiring to me. I think it will be a great challenge in an area that I am interested in. I enjoy working hard and seeing results.
 
Question
28 of 35
What are your three greatest strengths?
 
User Submitted Interview Answers
1.
I am a descipline person, I've got a tendency of pushing myself to hard to meet deadlines set by the company and I work to my utmost best to achieve the task given by the manegement.
 
2.
Handle multiple task. Detail oriented. Handling of customer service.
 
3.
Interpersonal skills- I can do well in team environments. Adaptability- I can change my thinking or attitude to achiev a goal. Customer service- I can communicate well people of all backgrounds.
 
4.
Street smart, listening skills and investigative ability and interviewing ability.
 
5.
Organized, Problem Solver and Good Communication.
 
Question
29 of 35
In your opinion, what makes you the best candidate for this job?
 
User Submitted Interview Answers
1.
I believe in myself and my investigative ability and I am a team player willing to learn on a daily basis.
 
2.
I am your best candidate because I am a organized problem solver who knows how to manage diverse relationships with integrity.
 
3.
My skill, talents, experience that I want to impart to this organization that make me a best assets of this company.
 
4.
I'm hard working and take direction will and willing to learn.
 
5.
High Standards, respect, ambition, desire to improve and change.
 
Question
30 of 35
Where do you see yourself in 5 years?
 
User Submitted Interview Answers
1.
Definately in a senior position or junior managemtn.
 
2.
In five years I expect to have moved up from the claims adjuster position to a supervisory position.
 
3.
Naturally I have to be where I have set my goal within the span to that ultimate success where I must be a leading person to motivate and help subordinates to resolve the claims and in decisional making process.
 
4.
I am looking forward to work hard by awarding genuine claims to genuine clients and reaching the company's goal as that of mine.
 
5.
Happy, Healthy successful.
 
Question
31 of 35
Do you consider yourself highly organized?
 
User Submitted Interview Answers
1.
As a loss adjuster you always have to be on top of your game as time management is very important.
 
2.
Yes. Prioritizing and scheduling is very important in time management.
 
3.
I keep time managment as my goal and try to be within that circle of my time management.
 
4.
Well, this would be my first job but if a customer irritated me I wouldn't show it. I would still treat them like everyone else and make sure they leave satisfied with their experience.
 
5.
Yes, I tend to create my own schedule to help me manage time and meet set timelines.
 
Question
32 of 35
Tell me about a time that you went out of your way to assist a colleague. What satisfaction did you get from your actions?
 
User Submitted Interview Answers
1.
Knowing that my knowledge would be appreciated.
 
2.
To resolve the total loss issue and help the person when he was really upset with the long proceedure expalined the reason of being delay.
 
3.
I try to help people everyday in small ways and it always makes me feel good.
 
4.
I, m not sure If I ever help others for satisfaction but its my nature bend to be helpful and as I get older even be a mentor.
 
5.
I help people daily. When I work hard towards finding a solution to help someone and we finally get the work done, I love seeing the excitement on their face or hearing it in their voice. That reaction is what keeps me coming back. I also enjoying the learning process; I learn from them and they learn from me.
 
Question
33 of 35
When have you dealt with an angry customer before? How do you handle such situations?
 
User Submitted Interview Answers
1.
By lettign the customer vent and make sure its not taken personal.
 
2.
Keep patience, allow him to speak, calm your self, once he spoke enough, explain how you felt about his feelings and how you realy want to help him.
 
3.
Customers get upset sometimes I try to really listen to what they are saying repeat what they said to me so they know they are being heard then I trying to calmly let them know that I will do my best to help them with the situation. I also apologize to them for any inconvenience that they have experienced.
 
4.
Many time. I try my best never to be confirmtionl, and listen and to hear them out. I may agree on the little thing but have to stand firm and reach a middle ground.
 
5.
Client wasn't happy with settlement. I advised they could provide documentation to increase the value or he could obtain his own appraisal.
 
Question
34 of 35
As a Claims Adjuster, most of your customers will be in some distress. What qualities do you possess that tell me you are capable of handling communication with individuals in distress?
 
User Submitted Interview Answers
1.
By placeing yourself in the clients situation and make sure you trear clients are treated the way you want to be treated.
 
2.
Some sort of counselling, customers are most of the time unhappy with the delay, try to be quite and have patience and learned what customer realy want.
 
3.
I'm patient, kind understanding and empathetic.
 
4.
I think everyone wants to feel important so I need to give them respect. Again listen to their needs. I will be a listener and a problem solver.
 
5.
I have been trained in the art of keeping calm through my experience as a musician.
 
Question
35 of 35
I'm interested in knowing more about the culture and type of work you are seeking. What is your ideal position at this time?
 
Contributing Author
Rachelle Enns
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