CAIA Claims Investigation Techniques 2

Question 1

When an adjuster suspects a claimant is exaggerating injuries, which investigative tool is most appropriate to document daily activities?

Accepted Answer

Surveillance video

Answer

Recorded statement

Answer

Social media review

Answer

Medical record subpoena

Question 2

A vehicle is submitted with alleged hail damage but the roof shows indentations only on horizontal panels. What does this pattern suggest?

Accepted Answer

Possible staged damage using a tool

Answer

Authentic hail damage from a severe storm

Answer

Normal wear from road debris

Answer

Wind-driven rain impact

Question 3

Which database is primarily used by adjusters to check whether a vehicle has prior reported accident history?

Accepted Answer

CarFax/AutoCheck

Answer

NICB VINCheck

Answer

CLUE report

Answer

ISO ClaimSearch

Question 4

An insured reports a theft claim but the vehicle's GPS data shows it traveled 80 miles on the night of the alleged theft. What is the adjuster's best next step?

Accepted Answer

Obtain a recorded statement addressing the GPS data

Answer

Accept the claim immediately

Answer

Refer the claim to collections

Answer

Issue payment minus the deductible

Question 5

What is the purpose of an Examination Under Oath (EUO) in an auto insurance claim investigation?

Accepted Answer

To compel the insured to testify under oath about claim circumstances

Answer

To settle the claim without litigation

Answer

To negotiate a lower settlement

Answer

To obtain a signed release

Question 6

During a scene inspection after a single-vehicle rollover, the adjuster finds no gouge marks or debris field consistent with the claimed impact point. This finding most likely indicates:

Accepted Answer

The loss occurred at a different location

Answer

The scene was cleaned by road crews

Answer

The vehicle rolled at high speed

Answer

The claimant's memory is unreliable

Question 7

Which of the following best describes 'index bureau' resources used in claims investigation?

Accepted Answer

Shared databases where insurers report claims to identify patterns across carriers

Answer

A government agency that licenses adjusters

Answer

A list of preferred repair shops

Answer

A state registry of uninsured motorists