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Describe a situation where you had to negotiate with a customer, and what was the outcome?

Insurance Claims Supervisor Interview Questions
Describe a situation where you had to negotiate with a customer, and what was the outcome?

Sample answer to the question

In my previous role as a claims adjuster, I had to negotiate with a customer who was dissatisfied with the amount offered for their claim. The customer believed that their settlement should have been higher based on their policy coverage. To address the situation, I scheduled a meeting with the customer to fully understand their concerns and gather any additional information. I carefully reviewed their policy and identified areas where additional coverage could apply. I then explained the details of their policy and the settlement calculation in a clear and concise manner, emphasizing the fairness and accuracy of our evaluation. I empathized with the customer's frustration and assured them that I would do my best to resolve the issue. Through open and respectful communication, I was able to negotiate a compromise that satisfied both the customer and our company. The customer appreciated the time and effort I put into understanding their perspective and working towards a resolution.

A more solid answer

During my time as a claims adjuster, I encountered a challenging negotiation situation with a customer who was dissatisfied with their claim settlement amount. The customer believed that certain damages were not adequately considered in the evaluation. To address the issue, I took a proactive approach and scheduled a meeting with the customer to discuss their concerns in detail. I carefully listened to their perspective and asked specific questions to gather additional information. After conducting a thorough review of the policy coverage and the claim documentation, I was able to identify certain provisions that could be leveraged to provide a fair resolution. I then presented my findings to the customer, explaining the policy terms and the calculation process. I took the time to address each of their concerns and provided alternative solutions to address the damages that were disputed. Through active listening, empathetic communication, and a collaborative mindset, we were able to come to a mutual agreement that satisfied both the customer and our company. The customer appreciated the transparency and the effort I put into finding a resolution that aligned with the policy terms and their expectations.

Why this is a more solid answer:

The solid answer provides a more comprehensive description of the negotiation situation. It includes specific details about the candidate's approach, such as actively listening, conducting a thorough review, and presenting alternative solutions. It also emphasizes the evaluation areas mentioned in the job description, such as communication, negotiation, problem-solving, and customer service. However, the answer can be improved by adding more specific examples of the candidate's leadership skills and how they handled the negotiation process.

An exceptional answer

In my role as a claims adjuster, I faced a complex negotiation scenario with a customer who had an extensive property damage claim. The customer believed that the initial settlement offer did not accurately reflect the full scope of the damages. To address their concerns, I immediately assigned a senior adjuster to perform an on-site inspection to thoroughly assess the damages. Simultaneously, I scheduled a meeting with the customer to discuss their expectations and share the inspection findings. During the meeting, I demonstrated strong leadership skills by taking charge of the conversation and setting clear objectives for reaching a fair resolution. I utilized my in-depth knowledge of insurance policies and industry standards to explain the claim evaluation process in detail, highlighting the relevant coverage and limitations. By adopting a collaborative approach, I invited the customer to provide any additional evidence or expert opinions to support their claim. I also proposed a compromise that included reimbursing certain expenses that were initially considered non-essential. Through multiple rounds of negotiation, active listening, and maintaining a calm and professional demeanor, I successfully reached an agreement with the customer that exceeded their initial expectations. The outcome not only satisfied the customer but also resulted in positive feedback and increased trust in our company's commitment to fairness and integrity.

Why this is an exceptional answer:

The exceptional answer provides a detailed account of a negotiation situation, highlighting the candidate's exceptional leadership skills, problem-solving abilities, and communication skills. It includes specific examples of how the candidate handled complex issues, utilized industry knowledge, and went above and beyond to ensure a fair resolution. The answer demonstrates the candidate's ability to work under pressure, prioritize tasks, and exceed customer expectations. Additionally, it aligns with the evaluation areas mentioned in the job description. However, the answer could be further improved by incorporating specific details about the outcome of the negotiation, such as the specific settlement amount or any additional benefits achieved for the customer.

How to prepare for this question

  • Familiarize yourself with insurance policies, industry standards, and claim evaluation processes.
  • Develop strong communication and active listening skills to effectively understand and address customer concerns.
  • Practice problem-solving scenarios related to negotiation and customer disputes.
  • Demonstrate your leadership abilities by sharing examples of how you have successfully resolved conflicts or managed teams.
  • Highlight your attention to detail and analytical acumen by discussing instances where you were meticulous in evaluating claims and ensuring fair settlements.

What interviewers are evaluating

  • Communication
  • Negotiation
  • Problem-solving
  • Leadership
  • Customer service

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