Digital Tools & Software Flashcards

What is the advantage of using telematics data from a vehicle's onboard system when adjusting an auto claim?

Answer: It provides objective data on speed, braking, and location at the time of the accident

Telematics data offers an objective, time-stamped record of vehicle behavior immediately before and during a collision, helping reconstruct events accurately.

Which software tool would an adjuster most likely use to run an ISO ClaimSearch query?

Answer: An industry claims database interface to check for prior losses and potential fraud indicators

ISO ClaimSearch is accessed through an industry database interface that lets adjusters identify prior claims on the same person, property, or vehicle to detect potential fraud patterns.

When integrating a third-party inspection app with a core claims platform via an API, what does 'API' stand for?

Answer: Application Programming Interface

API stands for Application Programming Interface, a set of protocols that allows two software applications to communicate and exchange data automatically.

A claims adjuster uses a mobile app to capture photos of vehicle damage that automatically sync to the claim file. This integration is an example of:

Answer: Real-time data synchronization between a mobile device and the claims management system

Real-time synchronization pushes field-captured photos instantly to the cloud-based claims file, eliminating manual upload steps and reducing processing delays.

What is the purpose of role-based access control (RBAC) in a claims management system?

Answer: To restrict system features and data visibility based on each user's job function and authority level

RBAC limits what each user can view or do within the system based on their designated role, protecting sensitive data and enforcing authority hierarchies.

An adjuster receives an automated subrogation alert from the claims system after closing a file. What action should the adjuster take?

Answer: Review the file to determine whether recovery from a responsible third party is feasible before final closure

Automated subrogation alerts flag potential recovery opportunities, and the adjuster must evaluate them before final closure to avoid waiving the carrier's right to recover.

Which digital tool is used to capture a claimant's recorded statement remotely while automatically generating a transcript?

Answer: AI-powered voice recording and transcription software

AI transcription tools record and convert spoken statements into searchable text in real time, creating an accurate record without manual transcription.